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Regular Contributor
Posts: 152
Registered: ‎07-08-2017
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Equifax score

Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....
Established Contributor
Posts: 814
Registered: ‎07-04-2008
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Re: Equifax score

An app for iphone I have called "lenny" does this. Free EQ fico once per month. They operate in Cali I believe. Even with no account with them I get an updated fico on 15th of month. If no iphone see if they create an app for other phones.
Valued Contributor
Posts: 2,457
Registered: ‎03-28-2017
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Re: Equifax score

Lemmy discontinued the free EQ score this month.  Unless you have an open credit line with them.

 

Fingerhut offers free monthly EQ with their rebuilder store card.  You can get it using the SCT method (no hard inquiry, usually!).

FICO8 3/17 550EX, 570TU, 559EQ
FICO8 10/17 710EX, 693TU, 734EQ -- almost 700 club!
Gardening since Aug 7, 17
Contributor
Posts: 93
Registered: ‎07-05-2007
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Re: Equifax score

Citi does also
Regular Contributor
Posts: 218
Registered: ‎03-03-2016
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Re: Equifax score

Hmm, Citi does Equifax.  Interesting, cuz MyFICO has my Equifax score at 735, Citi has it at 746.  Which is it?  Those are both updated scores SUPPOSEDLY.  MyFICO TU is 758 and EXP 797?  What gives with EQ?


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 08/28/2017 TU 757, EQ 738, EXP 793
Valued Contributor
Posts: 2,457
Registered: ‎03-28-2017

Re: Equifax score

[ Edited ]

CITI's EQ isn't FICO8 but another flavor of FICO.

 

From Citi's website: https://www.cardbenefits.citi.com/Products/FICO-Score

 

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account.  This model has a FICO® Score range from 250 through 900.

FICO8 3/17 550EX, 570TU, 559EQ
FICO8 10/17 710EX, 693TU, 734EQ -- almost 700 club!
Gardening since Aug 7, 17
Regular Contributor
Posts: 218
Registered: ‎03-03-2016

Re: Equifax score

Oh OK, still confusing, but OK.


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 08/28/2017 TU 757, EQ 738, EXP 793
Valued Contributor
Posts: 2,457
Registered: ‎03-28-2017

Re: Equifax score

It's like comparing the SAT to the ACT -- both measure the same thing but differently and are used by different groups for basically the same reason.

 

Read: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

FICO8 3/17 550EX, 570TU, 559EQ
FICO8 10/17 710EX, 693TU, 734EQ -- almost 700 club!
Gardening since Aug 7, 17
Senior Contributor
Posts: 7,076
Registered: ‎04-11-2016
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Re: Equifax score


Tryin2betterscore2 wrote:
Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....

No need to torture yourself with a phone call to cancel.  Cancel via email using help at credit check total dot com.  I start my $1 trial and send a cancellation email later in the day or the following day at most.  They usually send an email confirmation back in 2-3 days saying that they got my email and are cancelling it.  If not, I send another email on Day 4 or Day 5 of the trial.  I've cancelled many a $1 trial with emails. 

Regular Contributor
Posts: 152
Registered: ‎07-08-2017
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Re: Equifax score

@BBS. .... thanks I might try that next time. What information do you put in the email ? so that I know I have it worded right.

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