topic Most accurate FICO scoring? in General Credit Topics

Most accurate FICO scoring?

Anonymous — Mon, 27 May 2019 20:31:11 GMT

How do you get your scores?

Thanks...

Re: Most accurate FICO scoring?

VanderSnoot — Mon, 27 May 2019 21:36:53 GMT

Get your free annual credit reports here. Alternatively, I learned about CCT here on MF.

Re: Most accurate FICO scoring?

pizza1 — Mon, 27 May 2019 22:34:56 GMT

The only true scores are your FICO scores, and you can get them here on fico.

What CC's do you have? A few of them may offer free monthly FICO scores.

Re: Most accurate FICO scoring?

Anonymous — Mon, 27 May 2019 22:46:11 GMT

Thanks. Is cct the risk free one I can cancel during the first week if I don't like the service?

Re: Most accurate FICO scoring?

pinkandgrey — Mon, 27 May 2019 22:55:11 GMT

I just app for something when I want to see my credit score. The letter I get shows me the score.

KIDDING. The scores you would get here would be legit FICOs and that’s what you want to see.

Re: Most accurate FICO scoring?

Anonymous — Mon, 27 May 2019 23:02:15 GMT

Yes, I saw that freecreditreport doesn't offer fico scores. I do get my Transunion fico score free from Chase Amazon Visa, my Transunion fico score 8 (whatever that is) from Amex. Transunion fico score 8 from Discover and Transunion for Capital One

None of them report my fico from Equifax or Experian.

Re: Most accurate FICO scoring?

VanderSnoot — Mon, 27 May 2019 23:19:48 GMT

Yes, CCT is the one you can cancel within a week for $1.

You can get them here at MF but you pay more (unless someone has a similar tip).

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 00:58:51 GMT

Just looking at your thread title, it's important to say that all FICO scores are accurate. There are none that are "more" or "less" accurate than another. What you may be getting at are that other scores out there exist, such as the VS 3.0 variety from sources like Credit Karma or Credit Sesame. But, those aren't FICO scores. They aren't inaccurate [FICO] scores, they simply aren't FICO scores.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 04:03:42 GMT

@VanderSnoot wrote:
Yes, CCT is the one you can cancel within a week for $1.

You can get them here at MF but you pay more (unless someone has a similar tip).

Because of the legislation passed 2 yrs ago requiring TU, EQ and EX to provide credit monitoring for free, I've gone there to see my FICO. Upon reflection, I don't think my inquiries appeared on my credit report. I'm going to double-check this.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 04:06:43 GMT

@Anonymous wrote:
Just looking at your thread title, it's important to say that all FICO scores are accurate. There are none that are "more" or "less" accurate than another. What you may be getting at are that other scores out there exist, such as the VS 3.0 variety from sources like Credit Karma or Credit Sesame. But, those aren't FICO scores. They aren't inaccurate [FICO] scores, they simply aren't FICO scores.

Wow...CK calls them FICO scores. That should be illegal. I guess I should have titled my post, "Most authentic FICO scores". So sorry for my mistake.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 06:12:04 GMT

@Anonymous wrote:
Wow...CK calls them FICO scores. That should be illegal. I guess I should have titled my post, "Most authentic FICO scores". So sorry for my mistake.

I have never seen CK call them FICO scores. Can you provide a link or screen shot where you're seeing that? All I've ever seen CK refer to their provided scores as are "credit scores" without the word FICO ever used. They can't call it a FICO, because it is not. That would be like RC Cola calling itself Coke or Pepsi, something that would never fly.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 06:34:10 GMT

They reference FICO when explaining their score is based on Vantage Score 3.0

I guess I got my wires crossed. You're correct, once again. Thank you.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 14:34:28 GMT

@Anonymous wrote:
They reference FICO when explaining their score is based on Vantage Score 3.0

Can you post a screen shot or a link to the particular area you're speaking about? I can't find it, but if you were mislead it means others likely have been as well. I'm just curious the wording, or how it was presented.

Re: Most accurate FICO scoring?

Anonymous — Tue, 28 May 2019 16:10:41 GMT

From CK