topic Re: Getting 3 Credit bureau FICO score without cost monthly? in Credit Cards

Getting 3 Credit bureau FICO score without cost monthly?

Anonymous — Sun, 19 Aug 2018 14:52:44 GMT

It seems that every credit card is offering credit score and sometimes reports as well. Sometimes it is Vantage Score (Chase), other times FICO (Discover). Anyone know which bureaus the FICO score is pulled from for each card? My goal is to be able to get each one monthly just by holdingn credit card that pay for this feature.

I see Discover provide Transunion (when logged in to card services) and Experian when using creditscorecard.com. Anyone know who provide Equifax FICO without cost? I see Uber card also provides FICO score, along with Lowes card (havn't tried them out yet as my freeze is preventing them from pulling).

Re: Getting 3 Credit bureau FICO score without cost monthly?

kerplunk — Sun, 19 Aug 2018 17:15:04 GMT

Citi will give you your Equifax FICO Bankcard 8 score (250-900 range) for free, but I'm not sure who will give you the Equifax FICO Classic 8 (300-850) score for free.

Re: Getting 3 Credit bureau FICO score without cost monthly?

AverageJoesCredit — Sun, 19 Aug 2018 15:40:22 GMT

I have completed the trifecta

My Synchrony accounts ( Walmart, Amazon, etc) and Discover give true free FICO 8 TU

American Express , along with free monthly report from Experian , gives true free FICO 8 Ex

Langley Federal Credit Union gives me a true free FICO 8 Equifax score.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Anonymous — Sun, 19 Aug 2018 15:41:17 GMT

Wow, just tried the Citi FICO Bankcard 8, 839 score, doesn't seems right as I have so many inquiries at the time (and accounts opened in last 2 years)

Re: Getting 3 Credit bureau FICO score without cost monthly?

AverageJoesCredit — Sun, 19 Aug 2018 15:46:21 GMT

Quick ask for a cli

Re: Getting 3 Credit bureau FICO score without cost monthly?

Felony_Phil — Sun, 19 Aug 2018 15:46:27 GMT

A quick Google search netted this result

"Your FICO® Score is calculated based on data from your Equifax credit report using the FICO® Bankcard Score 8 model and may be ..."

Re: Getting 3 Credit bureau FICO score without cost monthly?

AverageJoesCredit — Sun, 19 Aug 2018 15:47:21 GMT

Bankcard isnt the same as FICO though

Re: Getting 3 Credit bureau FICO score without cost monthly?

Felony_Phil — Sun, 19 Aug 2018 15:49:38 GMT

I understand but if the OP is questioning the Bankcard scoring, according to Citi, it stems from Equifax.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Shadowfactor — Sun, 19 Aug 2018 17:54:36 GMT

Bankcard 8 is just a different algorithm to calculate a FICO score. It places different levels of importance on different things. It is a FICO score though.

Some lenders do use that score in credit decisions. Citi being one of them.

I’m not aware of any major banks that offer free Equifax scores for FICO 8.
Yes some small credit unions do offer it but most of those are members only with different requirements to join.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Felony_Phil — Sun, 19 Aug 2018 17:58:52 GMT

To my understanding, FICO bankcard places emphasis on credit card usage for it's scoring.

Re: Getting 3 Credit bureau FICO score without cost monthly?

xaximus — Sun, 19 Aug 2018 18:29:33 GMT

ISSUER FREE CREDIT SCORE TYPE CREDIT BUREAU USED WHO CAN GET IT

American Express	FICO Score 8	Experian	Consumer cardholders
American Express	VantageScore 3.0	TransUnion	Anyone
Bank of America	FICO Score 8	TransUnion	Consumer cardholders
Barclaycard	FICO Score 8	TransUnion	Consumer cardholders
Capital One	VantageScore 3.0	TransUnion	Anyone
Chase	FICO Score 8	Experian	Chase Slate cardholders
Chase	VantageScore 3.0	TransUnion	Anyone
Citi	FICO Bankcard Score 8	Equifax	Consumer cardholders (select cards)
Discover	FICO Score 8	TransUnion for cardholders; Experian otherwise	Anyone
Wells Fargo	FICO Bankcard Score 2	Experian	Account holders

Hopefully, this helps!

Re: Getting 3 Credit bureau FICO score without cost monthly?

Meanmchine — Sun, 19 Aug 2018 18:52:39 GMT

@Felony_Phil wrote:
To my understanding, FICO bankcard places emphasis on credit card usage for it's scoring.

"'.......In addition to being slanted specifically toward credit card use, FICO 8 Bankcard Scores have a wider scoring range than other FICO scores. The range is between 250 and 900, compared to a range of 300 to 850 with the other scores."

https://www.doughroller.net/credit/what-is-the-fico-8-bankcard-score/

Re: Getting 3 Credit bureau FICO score without cost monthly?

Meanmchine — Sun, 19 Aug 2018 19:07:29 GMT

@xaximus wrote:
ISSUER FREE CREDIT SCORE TYPE CREDIT BUREAU USED WHO CAN GET IT
American Express FICO Score 8 Experian Consumer cardholders
American Express VantageScore 3.0 TransUnion Anyone
Bank of America FICO Score 8 TransUnion Consumer cardholders
Barclaycard FICO Score 8 TransUnion Consumer cardholders
Capital One VantageScore 3.0 TransUnion Anyone
Chase FICO Score 8 Experian Chase Slate cardholders
Chase VantageScore 3.0 TransUnion Anyone
Citi FICO Bankcard Score 8 Equifax Consumer cardholders (select cards)
Discover FICO Score 8 TransUnion for cardholders; Experian otherwise Anyone
Wells Fargo FICO Bankcard Score 2 Experian Account holders

Hopefully, this helps!

Fingerhut shows Fico8 EX

Re: Getting 3 Credit bureau FICO score without cost monthly?

Anonymous — Sun, 19 Aug 2018 20:06:58 GMT

@AverageJoesCredit wrote:
Bankcard isnt the same as FICO though

Umm, yes it is. It's just a different version of your FICO score. There are many different versions of FICO scores as explained in this thread. A FICO 08 Bankcard score is different than a 'regular' 08 Score but just as important. It goes up to a score of 900 vs 850 for the non-enhanced version and may be in fact used by a creditor instead of the standard 08 score.

This is why it's important for people to understand all the versions because they may be vastly different. There are standard scores, bankcard, auto and mortgage scores and there can be significant score differences between those versions and across the different scoring models like FICO 04, 08 and 09.

Re: Getting 3 Credit bureau FICO score without cost monthly?

AverageJoesCredit — Sun, 19 Aug 2018 20:09:28 GMT

Yes, sorry Irish, what I meant was not the same as the classic FICO 8 , should have clarified. Thank you for the correction.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Shooting-For-800 — Sun, 19 Aug 2018 23:33:30 GMT

I pay $25 per month but I can pull all 3 CRs with Fico Scores every day.

As a rebuilder, I find it worth the monthly fee.

Re: Getting 3 Credit bureau FICO score without cost monthly?

UncleB — Sun, 19 Aug 2018 23:35:56 GMT

@xaximus wrote:
ISSUER FREE CREDIT SCORE TYPE CREDIT BUREAU USED WHO CAN GET IT
American Express FICO Score 8 Experian Consumer cardholders
American Express VantageScore 3.0 TransUnion Anyone
Bank of America FICO Score 8 TransUnion Consumer cardholders
Barclaycard FICO Score 8 TransUnion Consumer cardholders
Capital One VantageScore 3.0 TransUnion Anyone
Chase FICO Score 8 Experian Chase Slate cardholders
Chase VantageScore 3.0 TransUnion Anyone
Citi FICO Bankcard Score 8 Equifax Consumer cardholders (select cards)
Discover FICO Score 8 TransUnion for cardholders; Experian otherwise Anyone
Wells Fargo FICO Bankcard Score 2 Experian Account holders

Hopefully, this helps!

Just a quick update... a few months back Wells Fargo changed; they now provide EX FICO Score 9.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Meanmchine — Sun, 19 Aug 2018 23:42:17 GMT

@Shooting-For-800 wrote:
I pay $25 per month but I can pull all 3 CRs with Fico Scores every day.
As a rebuilder, I find it worth the monthly fee.

Which site is this?

Daily score changes? For all 3?

Re: Getting 3 Credit bureau FICO score without cost monthly?

UpperNwGuy — Mon, 20 Aug 2018 08:38:23 GMT

Navy Federal and PenFed provide Equifax FICO 9.

Re: Getting 3 Credit bureau FICO score without cost monthly?

Shooting-For-800 — Mon, 20 Aug 2018 12:58:32 GMT

Experian.

I think I was grandfathered in.

Looks like it is $25 per month now for experian every day and tu and eq every month.