topic Re: Credit Score in General Credit Topics

Credit Score

Anonymous — Sun, 07 Jun 2015 21:39:23 GMT

Are most people paying the monthly fee to check their fico scores from all three bureaus or is there a way to check the score free?

Re: Credit Score

Anonymous — Sun, 07 Jun 2015 23:31:15 GMT

Get CAP1 secured card which comes with score tracker...I think

Re: Credit Score

Anonymous — Mon, 08 Jun 2015 00:18:46 GMT

@Anonymous wrote:
Get CAP1 secured card which comes with score tracker...I think

The score Capital One provides is not a Fico, so it is useless. There are some cards out there that provides a free FICO, you will have to research it. As far as any sites giving free FICOs, there is none.

Re: Credit Score

needtodobetter — Mon, 08 Jun 2015 00:20:04 GMT

I do pay to get mine from MyFico. My USAA and Cap 1 cards do have monthly credit scores listed, but they are FAKOs, not FICOs. I get my free TU and EQ credit reports from CreditKarma so I can track updates. That site also has scores but they are also FAKOs, but you can at least track that you are moving in the right direction. You can get free EX credit reports from credit.com, and that also comes with a FAKO score. There are some credit cards that do provide FICOs, but I do not have any of them.

If you go to the EQ, TU, and EX sites, they often have specials for $1 to get your credit report and score - you will just want to make sure you cancel prior to them charging the regular rate after the one week mark.

Good luck!

Re: Credit Score

tufa4311 — Mon, 08 Jun 2015 00:23:08 GMT

BraclayCard and Discover card - both provide a monthly FICO score with your statement.

Re: Credit Score

2b2rich — Mon, 08 Jun 2015 00:44:25 GMT

The credit trackerI get with Cap 1 I only get an update once a month I think. Experian gives a true FICO score now with their monthly subcription but it's $20 a month. I have 3 bureau monitoring through MyFico for about the same price so that's how I get mine (but you only get them when something triggers a change to them).

Re: Credit Score

gdale6 — Mon, 08 Jun 2015 01:08:50 GMT

EX: FNBO gives Fico8 bankcard every month with card

TU: Walmart, Discover give Fico8 every month, Barclays about every 10 weeks

EQ: DCU check.savings or savings.CC combos give Fico 04 every month

Re: Credit Score

Anonymous — Mon, 08 Jun 2015 01:45:24 GMT

Getting your 3 Ficos from this site is a good option. Many credit cards give you free Ficos but they update it only once a month. Some of those cards are

Amex revolvers (some users) EX 8

Barclay TU 8

Citi EQ Bankcard 8

Discover TU 8

Slate EX 8

Also, I have a DCU savings account that gives me a free monthly FICO Beacon 5 score.

Re: Credit Score

Anonymous — Mon, 08 Jun 2015 01:42:21 GMT

@needtodobetter wrote:
I do pay to get mine from MyFico. My USAA and Cap 1 cards do have monthly credit scores listed, but they are FAKOs, not FICOs. I get my free TU and EQ credit reports from CreditKarma so I can track updates. That site also has scores but they are also FAKOs, but you can at least track that you are moving in the right direction. You can get free EX credit reports from credit.com, and that also comes with a FAKO score. There are some credit cards that do provide FICOs, but I do not have any of them.

If you go to the EQ, TU, and EX sites, they often have specials for $1 to get your credit report and score - you will just want to make sure you cancel prior to them charging the regular rate after the one week mark.

Good luck!

I think you are mistaken here, NTDB. The free service at credit.com gives free scores, but not free reports.

Re: Credit Score

bodybuilder510 — Mon, 08 Jun 2015 04:24:51 GMT

Experian tracker. Daily fico score and report. Ck covers the rest for me.

Re: Credit Score

takeshi74 — Mon, 08 Jun 2015 12:47:04 GMT

@Anonymous wrote:
Are most people paying the monthly fee to check their fico scores from all three bureaus or is there a way to check the score free?

No idea what most are doing. You have to find what works for you versus going with whatever may be popular. There are creditors that offer FICO's with their products -- some mentioned above. Just keep in mind which scoring model is provided versus which one you're looking for. There isn't just one FICO score per CRA. See also the Understanding FICO Scoring subforum and its stickies.

Re: Credit Score

Anonymous — Mon, 08 Jun 2015 13:19:20 GMT

BTW, there was a recent thread here in the myFICO forums that discussed one option for people who need a cost-free solution. (It's already been alluded to here: a combination of Credit Karma and Credit.com.) It's a pretty short discussion and it gets into the pros and cons later down.

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Karma-question/m-p/4055972#M209945

Re: Credit Score

Anonymous — Mon, 08 Jun 2015 13:29:24 GMT

I pay My Fico for monthly scores and until I settle a couple of disputes to clean my files, I subscribe to all three credit bureaus. It's overkill and expensive, but it has helped me clean up my files in less than two months. When that is done, I will cancel the three credit bureaus and just use MyFico.

Rebuilding since late 2013 following Chapter 13 in 2008. Barclay (Apple Rewards) 2000; Bank of America Travel 3500 and another Travel 3500; Amazon 700 (What’s up with that?); Care Credit 3300; Bank of America Platinum 2000; Capital One 1917 (secured); Discover 10,000; HELOC (Home Equity Line of Credit) 80,000. Five of these in 2015 after joining the forum. Total: $106,917. Still want: Venture and Quicksilver. In the garden (except for car purchase later this year) until November. Thanks to every single person who posts in this forum!
FICO Scores as of 5/6/15: EQ: 736; TU: 696; EX: 662.

Re: Credit Score

Momof5 — Mon, 08 Jun 2015 15:32:35 GMT

creditchecktotal now advertises 3 FICO scores with 3 pulls a month for just under $30/mo.

Re: Credit Score

Revelate — Tue, 09 Jun 2015 15:38:35 GMT

@Momof5 wrote:
creditchecktotal now advertises 3 FICO scores with 3 pulls a month for just under $30/mo.

Wagers that the monitoring there is 1:1 identical with MF?

For what it's worth I agree with takeshi: figure out what you need and go from there. My own needs have changed over time, and I could make the argument my monitoring costs are just a cheap hobby but I know I'm not the norm there... but do I need it for any regular reason? No not really as the bulk of my requirements are met by CK.

Find whatever scores you want to use for a benchmark (I use DCU's Beacon 5.0, and even that leads to some suprises even if I think it's the best consumer available free score) and simply track that over time as in broad strokes all of the FICO algorithms react similarly to changes on one's credit report if not in same absolute point value, certainly on anything significant. Points in the margin /shrug, small ups and downs are sort of meaningless over time, big picture is what matters.