topic Re: Checking FICO scores in Understanding FICO® Scoring

Checking FICO scores

aesl1982 — Tue, 23 Jul 2019 18:44:42 GMT

Anyone know where I can check my three ficos on a trial. without paying the 39.99 upfront for it. need to check me and my wifes and dont really wanna spend 80 bucks today to do it. we both have identity iq, however hers show 600 across there but car dealership told us hers was 429 thatsa a 180 point difference and makes no sense.

Re: Checking FICO scores

calyx — Tue, 23 Jul 2019 18:51:23 GMT

You can go to Experian.com and do a 10day trial for $1

It will show you your TU, EX, and EQ FICO8s and then you get daily updates of your EX score until the trial ends.

To cancel, you just "update" your membership to the "Basics" package, which is free.

You can do this trial over and over again and the information will be stored in your account's history.

Re: Checking FICO scores

Anonymous — Tue, 23 Jul 2019 19:44:56 GMT

Like @calyx stated go to Experian and get them for $1/ea person.

One thing to take into consideration is auto loans don't use a Fico 8 score. They use auto enhanced scores which take into account previous auto loans / payments. If she hasn't had any auto loans or they were defaulted/repossessed it's possible to have a lower auto score.

180 points though does seem to be a bit much.... Even a BK normally doesn't take them that low. Definitely time to pull everything and get to work cleaning things up. Look in the rebuilding section for hints and tips to clean things up.

Re: Checking FICO scores

Anonymous — Tue, 23 Jul 2019 20:38:56 GMT

If you do the CCT/Experian 7-day trial, they will give you your FICO8 as well as Auto 8 and Auto 2 scores. Just make sure to cancel back to the basic plan before the 7-day trial window expires.

Re: Checking FICO scores

aesl1982 — Tue, 23 Jul 2019 21:31:27 GMT

Thanks everyone. On my way to do it now

Re: Checking FICO scores

aesl1982 — Tue, 23 Jul 2019 21:48:38 GMT

Got em. Thanks for help. I just FICO 8s but I have work to do

Mine- exp558 eqfx514 Tu- 525
Hers- exp584 eqfx553 tu-559

Re: Checking FICO scores

Anonymous — Tue, 23 Jul 2019 22:18:59 GMT

Looks like you need a different dealer or find your own financing and walk in w/ a check.

2-weeks to 45 days is your timeline for combine inquiries for single pulls on scoring. Depends on the CRA.