Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012
Does anybody have all three?

‎10-09-2012 11:18 PM

A walmart discover (free Trans Union score), a u.s. bank cash + (free Experian score) and a checking plus account with D.C.U. (free Equifax score) ?
Amex B.C.E. - $2.5k - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
(1,212 Views)
 
Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011
Re: Does anybody have all three?

‎10-09-2012 11:21 PM

Walmart Discover yes...US BANK HAS FREE FICO?? I shouldv'e apped for that card! Damnit! Oh well!

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
(1,206 Views)
 
Valued Contributor
Dustink
Posts: 2,384
Registered: ‎10-02-2012
Re: Does anybody have all three?
[ Edited ]

‎10-09-2012 11:56 PM - edited ‎10-09-2012 11:57 PM

All US Bank accounts include the score free with internet banking. Although, it seems to pretty much be a one time thing. Maybe somehow once a year, but I am not seeing it.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
(1,178 Views)
 
Established Contributor
emptypockets
Posts: 520
Registered: ‎02-03-2009
Re: Does anybody have all three?

‎10-10-2012 03:25 AM

The US Bank EX score is a Fako

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
(1,111 Views)
 
Regular Contributor
bobebob
Posts: 179
Registered: ‎08-14-2011
Re: Does anybody have all three?
[ Edited ]

‎10-10-2012 04:01 AM - edited ‎10-10-2012 04:07 AM

Since I don't live in PA, the best I can do is to have the TU Fico from my Walmart Discover Card, and EQ Fico from DCU once a month.

 

Those are free. 

 

I pay for SW so I have an updated EQ Fico whenever any negative change occurs.

  

I also use Bank of America's Privacy Assist service so I know about any changes that happen to any information in all three agencies' data. The scores this service gives are fako's but it's the info in the reports that I'm concerned with.

 

*edited because Ipad typing causes issues. I have learned that if you edit in HTML tab this is better.

bobebob || Feb: My FICO SW EQ = 795 ||Feb: Walmart TU Fico=808
Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (5.8k), AmEx Corporate (5k). All PIF every month.
(1,085 Views)
 
Established Contributor
lithium78
Posts: 752
Registered: ‎07-30-2011
Re: Does anybody have all three?

‎10-10-2012 06:16 AM

You might as well use a free EX FAKO from creditsesame.com since US Bank's free score isn't any more accurate.

Starting Score: TU: 566
Current Score: TU: 729 (Walmart FICO); EQ: 754 (MyFico) EX: 776 (FAKO)
Goal Score: 800
Take the FICO Fitness Challenge
(999 Views)
 
Valued Contributor
Dustink
Posts: 2,384
Registered: ‎10-02-2012
Re: Does anybody have all three?

‎10-10-2012 04:39 PM

emptypockets wrote:

The US Bank EX score is a Fako

I have pretty much come to accept that every score a consumer has access to is a FAKO. Most banks either use an internal systems or a score not accessible by a customer.


I don't focus on my score, I focus on the info within the report.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
(856 Views)
 
Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012
Re: Does anybody have all three?

‎10-14-2012 06:44 AM

Hey bobebob, I believe you're thinking of P.S.E.C.U. (pennsylvania state employees credit union), I'm talking about D.C.U. (digital credit union). I was under the impression that U.S. bank was a monthly update like the D.C.U. and the walmart T.U. From what I'm gathering it would seem that most believe it's not worth having all three also the U.S. Bank only gives you a one time experian fako?
Amex B.C.E. - $2.5k - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
(697 Views)
 
Frequent Contributor
JonStur
Posts: 355
Registered: ‎12-25-2010
Re: Does anybody have all three?

‎10-14-2012 07:12 AM

7PM789 wrote:
Hey bobebob, I believe you're thinking of P.S.E.C.U. (pennsylvania state employees credit union), I'm talking about D.C.U. (digital credit union). I was under the impression that U.S. bank was a monthly update like the D.C.U. and the walmart T.U. From what I'm gathering it would seem that most believe it's not worth having all three also the U.S. Bank only gives you a one time experian fako?

With US Bank they provide a link from their website, if your eligible, to Experian where you sign up and receive an updated score monthly..

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
(675 Views)
 
Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012
Re: Does anybody have all three?

‎10-14-2012 07:23 AM

What are the eligibility requirements?
Amex B.C.E. - $2.5k - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
(656 Views)