topic Re: How to get ALL 3 FICO Scores? in Understanding FICO® Scoring

How to get ALL 3 FICO Scores?

Anonymous — Sun, 14 Aug 2011 22:45:54 GMT

Hi All,

First post but I've done a lot of reading here. It's a bit unclear so I am speaking up :-)

I really want to get all three true FICO scores. I realize that this is not easy or maybe even possible.

Is it true that not even MY FICO can provide your true FICO score any more? They don't specify which of the three CB the "score" is for though. Then I see people posting that it's now a PLUS score.

I see that there are dozens of monitoring services but none of them provide true FICO scores? Assuming money is no object (not really), is there even a way to go to three different places to get my three different true FICO scores?

Thanks for any help.

Re: How to get ALL 3 FICO Scores?

Anonymous — Sun, 14 Aug 2011 22:47:39 GMT

I had a similar question and found this somewhat helpful: http://www.myfico.com/crediteducation/questions/why-three-scores.aspx

Re: How to get ALL 3 FICO Scores?

Anonymous — Sun, 14 Aug 2011 23:34:00 GMT

Thanks for the link.

Let me highlight a couple quotes from the "article":

"Many different websites sell credit scores to consumers, but only myFICO.com and Equifax.com sell actual FICO scores to consumers."

"Before getting a loan for a major purchase, such as a home, you should check all three of your FICO scores"

"Experian FICO scores are no longer available to consumers."

The fact that they said to go and get "all three" true FICO scores gave me optimisism that it's possible to get all three somewhere until the post comment about Experian being unavailable to consumers. She says Equifax.com provides a true FICO score so I assume that's only the EQ true FICO score. Which true FICO score does my FICO provide? Which one(s) am I going to be missing and where do I get it/them?

Thanks again,

Re: How to get ALL 3 FICO Scores?

Lel — Mon, 15 Aug 2011 00:39:48 GMT

It would seem that the link referenced above is outdated. I'll alert an administrator about it.

Getting all 3 FICO scores is not so straightforward anymore. For reasons unclear, Experian decided to stop selling their FICO scores through this website over two years ago. From this website, you can get your Equifax and Transunion FICO scores. However, the TU score is an older version (referred to as TU98) and many lenders are using a newer version (TU04).

It is possible to get your Equifax score from the Equifax.com website, but it takes a bit of exploration of that website. The "default" score that is sold is a proprietary scoring model developed by Equifax, and it often does not correspond well to the actual Equifax FICO score. But if you search around, you can find the option to purchase a FICO socre.

Re: How to get ALL 3 FICO Scores?

Anonymous — Mon, 15 Aug 2011 02:33:44 GMT

Lel, Thank you.

To confirm I understand your message well...

Experian FICO Score: Not available anywhere.

Thru MyFICO:

Equifax FICO = Yes

Transunion = TU98 FICO = Yes (Not newer TU04)

Thru Equifax.com

Equifax FICO = Yes, but must search and find "FICO" score product.

-Not really an issue since MyFICO provides this easily.

=================

I heard that psecu could give you all three true FICO but not sure if there is any loophole to gain membership. I'm not even sure they do give all three though.

Thank you very much.

Re: How to get ALL 3 FICO Scores?

-Cain- — Mon, 15 Aug 2011 03:21:50 GMT

You can get your EX FICO through PSECU monthly, but membership has become more difficult to obtain for out of staters.

Re: How to get ALL 3 FICO Scores?

Anonymous — Mon, 15 Aug 2011 03:45:17 GMT

I'm assuming the score offered at the actual Transunion website is a true FICO score, too?

Re: How to get ALL 3 FICO Scores?

MarineVietVet — Mon, 15 Aug 2011 03:51:42 GMT

@Anonymous wrote:
I'm assuming the score offered at the actual Transunion website is a true FICO score, too?

No it's not. Until a few months ago you could buy a TU FICO at transunioncs.com (Note the-cs on the end) but no more.

You've never been able to buy a TU FICO from transunion.com.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: How to get ALL 3 FICO Scores?

Anonymous — Mon, 15 Aug 2011 12:54:21 GMT

Ah, got it. Thanks for the info.

Re: How to get ALL 3 FICO Scores?

kjm79 — Tue, 16 Aug 2011 00:17:41 GMT

Word on the street is the Walmart credit card holders are getting access to their TU04 for free once a month. There's been nothing official that I've seen stating it's a/the newr version. Only that it doesn't match the TU scores here. But the score from the walmart site is most definitely marketed as a FICO score.

Re: How to get ALL 3 FICO Scores?

Anonymous — Tue, 16 Aug 2011 00:26:17 GMT

Too bad people can't afford to open up an account with Walmart just for this benefit. Well, I don't want the inquiry.

PSECU has that cake deal for their members to get their EX FICO. I wonder how many new members they got out of that deal.

Why do they get these exclusive deals? I'm not a guy who cries "it's not fair, boo hoo" but talk about a brother-in-law setup. Sheesh!

Re: How to get ALL 3 FICO Scores?

kjm79 — Tue, 16 Aug 2011 00:29:57 GMT

@Anonymous wrote:
Too bad people can't afford to open up an account with Walmart just for this benefit. Well, I don't want the inquiry.

PSECU has that cake deal for their members to get their EX FICO. I wonder how many new members they got out of that deal.

Why do they get these exclusive deals? I'm not a guy who cries "it's not fair, boo hoo" but talk about a brother-in-law setup. Sheesh!

+1 Totally agree.

My walmart account is actually closed and I was considering re-opening just to get the stupid score. Turned out I still had online account access and am still able access the FICO score. I hear it also works with the walmart Discover card as well....

I wouldn't have wasted an inquiry on it though either. Just got lucky....

Re: How to get ALL 3 FICO Scores?

Anonymous — Tue, 16 Aug 2011 00:50:52 GMT

PSECU - If anyone has a trick or loophole to get into this CU, and don't mind sharing it in private please message me. I don't mind opening another savings account and I would truly appreciate getting my real EX FICO.

Re: How to get ALL 3 FICO Scores?

-Cain- — Tue, 16 Aug 2011 00:58:04 GMT

PSECU was a bit easier to get into just about two months ago, but had a sudden change in policy. There are different thoughts on what may have caused that change, but for whatever reason, things happened.

Re: How to get ALL 3 FICO Scores?

Anonymous — Tue, 16 Aug 2011 01:10:29 GMT

I'm new here and a little bewildered. I've just tried to buy all three but olny got the Equifax score (644) and now am undersdtanding it's probably not the true score? Are true scores usually higher or lower?

It surprised me to have a score in any case. I've lived in Mexico almost continually since the early 1980's and have only a debit card from the US. So on what can they base a score? There's only one item on my Eq report - an argument with Bank of Am a few years ago. Do you get a score for having (almost) no negative history even if there is also no positive history?

Thanks, Steve

Re: How to get ALL 3 FICO Scores?

Anonymous — Tue, 16 Aug 2011 01:21:04 GMT

Cain, I read above that it's supposed to be hard for out of state (PA) to get into PSECU. That doesn't make so much sense because you could qualify as a graduate of one of the schools or member of an assocation that they list. But what have you heard about it being harder?

Re: How to get ALL 3 FICO Scores?

-Cain- — Tue, 16 Aug 2011 01:36:04 GMT

Most associations have updated their benefits page to say membership does not include eligibility to PSECU for out of state members. As far as graduates of those universities, that may still be an open avenue, I can't be sure. They will probably request some proof if they'd take you. I got in before the change, and am from out of state.

Re: How to get ALL 3 FICO Scores?

Anonymous — Tue, 16 Aug 2011 05:34:54 GMT

You can get your EX monthly for free with US Bank.

edit -- I was mistaken. it's the PLUS score.

Re: How to get ALL 3 FICO Scores?

-Cain- — Tue, 16 Aug 2011 03:34:34 GMT

You get the PLUS score from US Bank

http://ficoforums.myfico.com/t5/Credit-Cards/Free-Credit-Score-For-US-Bank-Customers/td-p/981300

Re: How to get ALL 3 FICO Scores?

Anonymous — Wed, 17 Aug 2011 18:53:06 GMT

To Recap, this would be the optimal for true and not fako scores:

Equifax FICO Score = MyFico
Experian FICO Score = PSECU
Transunion FICO Score (TU04) = Walmart CC holders