topic Re: Which CC provides free Equifax FICO? in Credit Cards

Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 15:24:26 GMT

Synchrony provides free TU FICO score with their cards and AMEX provides free Experian FICO with theirs. Which credit card, if any, provides free Equifax FICO score?

Re: Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 15:27:08 GMT

Citi gives me my EQ FICO8 score on my Costco and DoubleCash cards. I'm not sure if they provide it for all their cards or just some.

Re: Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 16:17:20 GMT

Citi provides an EQ Bankcard Enhanced 8 FICO score, not a Classic 8 score.

While it is indeed an EQ FICO score, it's important to know that comparing that score to the ones provided by Amex and Discover is comparing scores between different scoring models.

I actually like that my Citi card provides me with a score from a model outside of the norm. The better idea I have regarding more of my scores the happier I am.

Re: Which CC provides free Equifax FICO?

K-in-Boston — Thu, 19 Apr 2018 16:37:10 GMT

There’s a thread floating around somewhere listing who gives which scores. On mobile, so I’ll try to remember to look later to link. The classic EQ 08 score is only offered by a few somewhat uncommon lenders.

PenFed and Navy FCU also give EQ scores, but those are based on the newer FICO 09 model, not FICO 08.

Re: Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 16:40:23 GMT

@K-in-Boston wrote:
There’s a thread floating around somewhere listing who gives which scores. On mobile, so I’ll try to remember to look later to link.

PenFed and Navy FCU also give EQ scores, but those are based on the newer FICO 09 model, not FICO 08.

Oh wow I am a NFCU cardholder and didn't realize they provide EQ!!! Thanks and that's why I love asking questions on this forum. I knew you all would give me the answer I need.

Do you know how often NFCU updates the score?

Re: Which CC provides free Equifax FICO?

simplynoir — Thu, 19 Apr 2018 16:51:31 GMT

Should be every two months.

Re: Which CC provides free Equifax FICO?

marty56 — Thu, 19 Apr 2018 16:57:14 GMT

Sams Club MC does.

Re: Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 17:01:29 GMT

Huntington Voice also does, not sure of what model though.

Re: Which CC provides free Equifax FICO?

MySunrise271 — Thu, 19 Apr 2018 17:09:11 GMT

Poster ABCD2199 Has the table in his signature. Do a search on his postings.

Re: Which CC provides free Equifax FICO?

simplynoir — Thu, 19 Apr 2018 17:27:07 GMT

@MySunrise271 wrote:
Poster ABCD2199 Has the table in his signature. Do a search on his postings.

Good call. Here it is.

http://ficoforums.myfico.com/t5/General-Credit-Topics/UNOFFICIAL-LIST-of-credit-cards-and-which-score-they-provide/td-p/5067647

Re: Which CC provides free Equifax FICO?

Anonymous — Thu, 19 Apr 2018 19:00:10 GMT

@marty56Sams Club MC does.

Which scoring model do they provide?

Re: Which CC provides free Equifax FICO?

SouthJamaica — Fri, 20 Apr 2018 02:46:37 GMT

@Anonymous wrote:
Synchrony provides free TU FICO score with their cards and AMEX provides free Experian FICO with theirs. Which credit card, if any, provides free Equifax FICO score?

Langley FCU provides free EQ FICO 8.

Re: Which CC provides free Equifax FICO?

Adkins — Fri, 20 Apr 2018 02:48:22 GMT

Fingerhut.

Re: Which CC provides free Equifax FICO?

CJ7 — Fri, 20 Apr 2018 06:09:08 GMT

@Anonymous wrote:
@marty56Sams Club MC does.
Which scoring model do they provide?

Sams Club MC is TU8 for me...

Re: Which CC provides free Equifax FICO?

sarge12 — Fri, 20 Apr 2018 06:56:38 GMT

@Anonymous wrote:
Citi gives me my EQ FICO8 score on my Costco and DoubleCash cards. I'm not sure if they provide it for all their cards or just some.

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.....from citicard Q&A.

Re: Which CC provides free Equifax FICO?

Anonymous — Fri, 20 Apr 2018 08:32:29 GMT

@sarge12
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.....from citicard Q&A.

Exactly right. I'm a big fan of the EQ Bankcard Score 8 that Citi provides as very few others (if any) provide that score for free with an account. What I'm not a fan of, though, is that it takes them roughly 2 weeks to provide you with the score after they generate it. I don't understand why Citi pulls your report, generates a score and then sits on it for 2 weeks before displaying it on your account when others like Discover, Amex, etc. provide the score they pull within a matter of a few days.

Re: Which CC provides free Equifax FICO?

Gmood1 — Fri, 20 Apr 2018 14:16:19 GMT

SunTrust also provides EQ bank card FICO 8 monthly score updates.

Re: Which CC provides free Equifax FICO?

Anonymous — Sat, 21 Apr 2018 16:21:02 GMT

Completely agree, Citi DC is very slow with updating my current score on my online account. Two weeks does seem to be the norm but I have a had a couple occasions that have been almost a month behind. They do display your prior 6 month score history which is a plus!

Re: Which CC provides free Equifax FICO?

Anonymous — Sun, 22 Apr 2018 01:31:07 GMT

I just don't get why they hold on to your score for 1.5 - 2 weeks before posting it. I mean, you've already done the pull, you've already got the score... what benefit is it to Citi to sit on the score for another week and a half before displaying it on the account. I see absolutely nothing they gain from this practice. Am I missing something obvious here?

Re: Which CC provides free Equifax FICO?

Gmood1 — Fri, 27 Apr 2018 05:22:35 GMT

Just found out tonight Andrews FCU is now offering Fico 8 Eq with accounts.

You don't need a CC and joining is free. Join American Consumer Council with the code "consumer". Use that to join Andrews.

I've been noticing SPs on my EQ from them lately and wondered why.

Now I know.😁