topic Re: Equifax score in Understanding FICO® Scoring

Equifax score

Anonymous — Fri, 29 Sep 2017 23:12:12 GMT

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....

Re: Equifax score

jbh — Fri, 29 Sep 2017 23:33:00 GMT

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.

Re: Equifax score

Anonymous — Fri, 29 Sep 2017 23:58:04 GMT

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!).

Re: Equifax score

Lucky7z — Sat, 30 Sep 2017 22:27:47 GMT

Citi does also

Re: Equifax score

Anonymous — Tue, 10 Oct 2017 14:02:29 GMT

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?

Re: Equifax score

Anonymous — Tue, 10 Oct 2017 14:25:43 GMT

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.

Re: Equifax score

Anonymous — Tue, 10 Oct 2017 15:35:30 GMT

Oh OK, still confusing, but OK.

Re: Equifax score

Anonymous — Tue, 10 Oct 2017 15:36:48 GMT

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-versions-and-variations/td-p/1197617

Re: Equifax score

Anonymous — Tue, 10 Oct 2017 15:36:52 GMT

@Anonymous 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.

Re: Equifax score

Anonymous — Thu, 12 Oct 2017 17:38:57 GMT

@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.

Re: Equifax score

Anonymous — Thu, 12 Oct 2017 18:27:16 GMT

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

You just want to provide them with the same pieces of information used when you cancel over the phone... your full name, DOB, last 4 of your SS# and zip code. Just say that you've been trying to cancel over the phone without any luck, so this email serves as your official cancellation of your trial membership and that here is your personal information [add those 4 pieces of data] and that you'd appreciate a confirmation email back that your trial was indeed cancelled. That's all you need!

Re: Equifax score

Anonymous — Sat, 21 Oct 2017 02:33:10 GMT

Sounds great, thanks for info.