topic Re: Credit cards that offer free "scores" in General Credit Topics

Credit cards that offer free "scores"

Random_idiot — Fri, 22 Jul 2016 05:40:58 GMT

I currently get a myfico exp with my walmart card.

what about equifax and transunion? Anyone know credit cards that give free scores or websites!

Re: Credit cards that offer free "scores"

Random_idiot — Fri, 22 Jul 2016 06:14:03 GMT

Equifax- citi

transunion- barclays.

next goals.

Re: Credit cards that offer free "scores"

Anonymous — Fri, 22 Jul 2016 10:12:08 GMT

@Random_idiot wrote:
I currently get a myfico exp with my walmart card.

what about equifax and transunion? Anyone know credit cards that give free scores or websites!

Discover gives TransUnion

Re: Credit cards that offer free "scores"

Anonymous — Fri, 22 Jul 2016 11:43:08 GMT

Several give EX and several give TU, but none that I know of give EQ (at least not a FICO 08). There was a thread maybe 2 weeks back if you do a search that went over this very topic that had a good amount of replies and information in it.

Re: Credit cards that offer free "scores"

takeshi74 — Fri, 22 Jul 2016 13:17:15 GMT

Make sure you're also considering the scoring model and not just the CRA. You cannot assume that all models are equivalent as they evaluate report data differently and can have different score ranges.

Citi, for example, provides an EQ FICO but it's a FICO 8 Bankcard which is not the same thing as a FICO 8. As another example, PenFed also provides a EQ FICO but it's an NG2. See also the Understanding FICO Scoring subforum and its stickies for info on the various FICO models.

Don't overlook prior threads as a resource as creditors that provide scores are a very common topic.

@Random_idiot wrote:
Current Score: CK- 658

CK provides 2 scores -- a TU VantageScore 3.0 & an EQ VanageScore 3.0.

Re: Credit cards that offer free "scores"

Random_idiot — Fri, 22 Jul 2016 15:53:25 GMT

@takeshi74 wrote:
Make sure you're also considering the scoring model and not just the CRA. You cannot assume that all models are equivalent as they evaluate report data differently and can have different score ranges.

Citi, for example, provides an EQ FICO but it's a FICO 8 Bankcard which is not the same thing as a FICO 8. As another example, PenFed also provides a EQ FICO but it's an NG2. See also the Understanding FICO Scoring subforum and its stickies for info on the various FICO models.

Don't overlook prior threads as a resource as creditors that provide scores are a very common topic.

@Random_idiot wrote:
Current Score: CK- 658
CK provides 2 scores -- a TU VantageScore 3.0 & an EQ VanageScore 3.0.

Thank you, very helpful.

Yeah I just put CK scores so everyone can see how off they are. jeeze, really wish there was a way to get exact fico 8 eq scores.

Re: Credit cards that offer free "scores"

Random_idiot — Fri, 22 Jul 2016 15:54:44 GMT

@Anonymous wrote:
@Random_idiot wrote:
I currently get a myfico exp with my walmart card.

what about equifax and transunion? Anyone know credit cards that give free scores or websites!
Discover gives TransUnion

Is that a FICO 8 TU? holy crap man, Discover is amazing. with the free TU and EXP (creditscorecard)

Re: Credit cards that offer free "scores"

Anonymous — Fri, 22 Jul 2016 18:40:04 GMT

@Random_idiot wrote:
I currently get a myfico exp with my walmart card.

what about equifax and transunion? Anyone know credit cards that give free scores or websites!

I'm pretty sure Walmart is TU, not EX.

Re: Credit cards that offer free "scores"

CreditDunce — Sat, 23 Jul 2016 04:26:44 GMT

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/td-p/2555469

Re: Credit cards that offer free "scores"

brother7 — Fri, 29 Jul 2016 16:27:34 GMT

@Random_idiot wrote:
@Anonymous wrote:
Discover gives TransUnion
Is that a FICO 8 TU? holy crap man, Discover is amazing. with the free TU and EXP (creditscorecard)

From the Discover website:

The FICO® Credit Score we provide is the FICO® Score 8, based on information on your TransUnion credit report, and has a score range of 300-850.

Re: Credit cards that offer free "scores"

greent — Sat, 30 Jul 2016 04:47:05 GMT

Wal-Mart is TU.