topic Re: What do you use to see scores/reports in Credit Cards

What do you use to see scores/reports

Anonymous — Wed, 02 Sep 2015 20:24:10 GMT

I mean regularly from your cc and whatnot, not monitoring stuff you have to pay for. Dcu will provide me with fico eq04 score monthly, discover it has fico eq08 score monthly, i plan on applying soon for that, credit karma for eq and tu reports weekly. I need a place to see my ex report. I know amex is now providing monthly fico ex score. I will app for an amex down the road. For now, I can live with only a fico tu from discover and a fico eq04 score from dcu.

Tl;dr

Discover it - fico tu

Amex - fico ex

Dcu - fico eq04

Ck - eq and tu reports

Ex report - ??

Re: What do you use to see scores/reports

Anonymous — Wed, 02 Sep 2015 20:34:39 GMT

Credit.com provides Experian data. But, like Credit Karma, the score is useless.

Re: What do you use to see scores/reports

DantGwyrdd — Wed, 02 Sep 2015 20:35:08 GMT

Credit.com will give you some idea about what your EX is like (and not one but two FAKOs! ), but nowhere near the detail of CK and just once a month as far as I recall.

Re: What do you use to see scores/reports

Anonymous — Wed, 02 Sep 2015 20:42:13 GMT

Im on credit.com now and when I try to see my report it says get it via the experian tracker for $1?

Re: What do you use to see scores/reports

Anonymous — Wed, 02 Sep 2015 20:43:23 GMT

Walmart CC for TU fico and CK just for the alerts.

Re: What do you use to see scores/reports

DantGwyrdd — Wed, 02 Sep 2015 20:47:34 GMT

That's what I meant by less detail than CK--if you want the actual data you have to buy it. You only get a kind of meta-report for free so if you click around you can find out how many inqs you have but not what they are specifically or how many acounts you have and what your total debt to credit is, but again not the per account specifics, etc.

Re: What do you use to see scores/reports

Anonymous — Wed, 02 Sep 2015 20:57:47 GMT

@DantGwyrdd wrote:
@@Anonymous
That's what I meant by less detail than CK--if you want the actual data you have to buy it. You only get a kind of meta-report for free so if you click around you can find out how many inqs you have but not what they are specifically or how many acounts you have and what your total debt to credit is, but again not the per account specifics, etc.

Ohh okay gotcha.

Re: What do you use to see scores/reports

Themanwhocan — Thu, 03 Sep 2015 01:24:31 GMT

Somewhat old, but...

I use:

DCU and Citi for Equifax FICO scores.

Discover and Barclaycard for Transunion FICO scores.

FNBO and American Express for Experian FICO scores.

creditkarma.com for looking at Transunion and Equifax information.

Re: What do you use to see scores/reports

Anonymous — Thu, 03 Sep 2015 01:24:36 GMT

Nice, good info there.

Re: What do you use to see scores/reports

Sharingan — Thu, 03 Sep 2015 01:44:50 GMT

I obtain my scores from: EQ - Citi, EX - AmEx/Chase Slate, TU - Discover/Walmart/Barclays. I believe U.S. Bank offers a score as well, but I have enough sources currently. Credit Karma is handy for a quick, no charge glance at my report from the two participating bureaus. Pertinent information for me includes: inquiry drop off dates, any reporting balances, and when new accounts start reporting.

I also know fairly quickly which bureau a creditor has pulled for any applications. If I don't get an email, it's likely Experian.

Re: What do you use to see scores/reports

Anonymous — Tue, 23 Feb 2016 09:32:38 GMT

free EQ Fico score - which one is better or are these two the same?? score from 'Citi CC' or the 'DCU checking'?

Re: What do you use to see scores/reports

lg8302ch — Tue, 23 Feb 2016 09:44:44 GMT

@Anonymous wrote:
free EQ Fico score - which one is better or are these two the same?? score from 'Citi CC' or the 'DCU checking'?

Citi I believe is Fico 8 bankcard enhanced and therefore probably higher ..not sure what DCU is using but certainly another version.

Re: What do you use to see scores/reports

Anonymous — Tue, 23 Feb 2016 10:19:44 GMT

@lg8302ch wrote:
@Anonymous wrote:
free EQ Fico score - which one is better or are these two the same?? score from 'Citi CC' or the 'DCU checking'?

Citi I believe is Fico 8 bankcard enhanced and therefore probably higher ..not sure what DCU is using but certainly another version.

i see. thanks!

DCU score is: *taken from ~ The many flavors of FICO...

"FICO 04 (introduced 2004)

Most mortgage lenders use FICO 04 for Equifax and Transunion, and FICO 98 for Experian.
All three scores will normally be pulled and the middle score (not the average) will be used by the lender.

Official name: Equifax FICO Score 5 (also known as Equifax Beacon 5.0)
Common name: EQ-04
Available directly to consumers: ~~ Some credit unions such as DCU provide it free each month to members.
Real-world score range: 334 to 818"

Re: What do you use to see scores/reports

Kidcat — Tue, 23 Feb 2016 14:09:56 GMT

Right now I'm using myfico and CCT. As soon as my reports are 100% clean (June) I will cancel myfico and stick with CCT, since I'm on the $15 a month plan, and that works well with my budget. I live in CA and 90% of my pulls are EXP, so knowing how that report looks is pertinent.

Re: What do you use to see scores/reports

takeshi74 — Tue, 23 Feb 2016 14:56:53 GMT

CK for TU and EQ report data. I pull EX reports as needed.

I don't really worry over scores but I do get TU FICO 8's With Discover and Barclaycard, EX FICO 8 from AmEx, EQ FICO NG2 from PenFed and EX FICO 8 Bankcard from FNBO. If i want scores I'll pull from myFICO as needed.

@Anonymous wrote:
Credit.com provides Experian data. But, like Credit Karma, the score is useless.

Not for those with creditors that use a VantageScore. People need to consider the relevance of any scoring model/CRA combo and not just FICO or FAKO. A given FICO score doesn't mean anything if a creditor/product uses a different FICO model/CRA.

@Anonymous wrote:
free EQ Fico score - which one is better or are these two the same?? score from 'Citi CC' or the 'DCU checking'?

Define "better". What are you specifically looking to accomplish?

Again, consider the relevance of a given model/CRA combo to a given creditor/product rather than assuming that one model is inherently better than another. Neither of those scores would be relevant to creditor/product using an EQ FICO 8 -- or any model that isn't the same as what is provided. If a creditor uses an EQ FICO 8 Bankcard then the Citi score is relevant. If a creditor uses an EQ FICO 5 then the DCU score would be relevant. Neither is better than the other -- or yet other FICO models using EQ data.

Re: What do you use to see scores/reports

lg8302ch — Wed, 24 Feb 2016 06:46:59 GMT

Forgot to mention that I love to have both scores Fico and Vantage3. I am using CreditKarma for TU and EQ reports and Credit for EX (limited report info) with Vantage3 scores and EX credit tracker for EX Fico and EX reports for 9.95$ / mo with the option of daily pulls if needed and insurance. If the 3B reports here would be less than 20$ I would sign up but the price is too high. The scores can be obtained from many CCC in the meantime. Score Watch (old product) does give EQ Fico scores but no reports or basically only 2 reports per year which is terrible.I am more interested in my reports. But free CreditKarma closes this gap.Nobody pulls EQ for me anyhow except when I apply for a Chase card with a double pull.