topic Re: Another free FICO score in General Credit Topics

UNOFFICIAL LIST of credit cards and which score they provide

Anonymous — Thu, 03 Jan 2019 20:30:16 GMT

Last Udpated 1/3/2019 @ 12:30 PM Pacific Time

Score Model By Bank Name

Bank

Score Model

Credit Bureau

Credit Card

Checking

1st National Omaha

Achieva Credit Union

Affinity Federal Credit Union

FICO 8

AFL–CIO Employees Federal Credit Union

Air Force Federal Credit Union

Alaska USA Federal Credit Union6

Alliant Credit Union

Vantage 3.0

Ally Financial

America First Credit Union8

AMEX

FICO 8

Andrews FCU

FICO 8

Arsenal Credit Union National Geospatial-Intelligence Agency

Associated Banc-Corp

Arrowhead Credit Union

FICO 9

Banc of California

BancorpSouth Bank

Bank of America

FICO 8

Bank of Hawaii

Bank of New York Mellon

Bank of the Ozarks

BankUnited

Banner

Barclay

FICO 8

Bayport CU

FICO 5

BB&T

BBVA Compass

BECU

FICO 8

Belvoir Federal Credit Union

Berkshire Hills Bancorp

Beulah Federal Credit Union

BMI Federal Credit Union

BMO Harris Bank

BNP Paribas

BOK Financial

Buckeye State Credit Union

CACLFCU

FICO 8

Cadence Bancorp

Call Federal Credit Union

Caltech Employees Federal Credit Union

Capital One Financial

Vantage 3.0

Capitol Federal Financial

Cascade Community Federal Credit Union

Cathay General Bancorp

CCUFL

FICO 9

Central Banco

Central Wisconsin Credit Union

Charles Schwab

Chartway Federal Credit Union

Chase

Vantage 3.0

Chemical Financial

Citi

FICO 8 Bankcard

Citizens Equity First Credit Union

Citizens Financial Group

Clearview Federal Credit Union

CloverBelt Credit Union

Coastal Federal Credit Union

Columbia Banking System

Comerica

Commerce

FICO 8

Commerce Bancshares

Commercial Bank

Bankcard 9

Commonwealth Credit Union

Community Bank System

CommunityAmerica Credit Union

Connexus Credit Union

Consolidated Community Credit Union

CoVantage Credit Union

Credit Suisse

Credit Union 1

Credit Union 1, Illinois

Cullen/Frost Bankers

Customers Bancorp

Dade County Federal Credit Union

DCU

FICO 4 & 5

Del-One

Delta Community Credit Union

Denali Alaskan Federal Credit Union10

Desert Schools Federal Credit Union

Deutsche Bank

DFCU Financial

Digital Federal Credit Union

Discover

FICO 8

Duluth Teachers Credit Union

Dupont Community CU

FICO 5

East West Bank

Eastman Credit Union

Educational Employees Credit Union

Elements Financial FCU

FICO 8

Ent Credit Union

Envision Credit Union

ESL Federal Credit Union

ETrade

F.N.B.

Fairwinds Credit Union

FCB Financial Holdings

Fidelity

Fifth Third Bancorp

Fifth Third Bank

Financial Plus Federal Credit Union

First Alliance Credit Union

First Bank

FICO 8

First Citizens Bank

First Citizens Federal Credit Union

First Community Credit Union

First Entertainment Credit Union

First Financial Bancorp.

First Hawaiian

First Horizon National

First Horizon National Corporation

First Interstate BancSystem

First Jersey Credit Union

First Merchants

First Midwest Bancorp

First National of Nebraska

First Republic Bank

First Tech Federal Credit Union

Firstmark Credit Union

Flagstar Bancorp

Florida State University Credit Union

FNBO

FICO 8 Bankcard

Fulton Financial

Genisys Credit Union

Glacier Bancorp

Golden 1 Credit Union

Goldman Sachs

Government Employees Credit Union

Great Western Bancorp

Great Wisconsin Credit Union

Hancock Holding

Hawaii Community Federal Credit Union

Hawaii State Federal Credit Union

Heartland Financial USA

Hilltop Holdings

Home BancShares

Hope Bancorp

HSBC

HUECU

FICO 8

Huntington Bancshares

Huntington Voice

FICO 8 or Bankcard 2??

Iberia Bank

IBM Southeast Employees Federal Credit Union

Idaho Central Credit Union

Independent Bank Group

Industrial Federal Credit Union IFCU

International Bancshares

Investors Bancorp

John DeereCapital

KaiPerm Northwest Credit Union

Keesler Federal Credit Union

KeyCorp

KeyPoint Credit Union

KeyPoint Federal Credit Union

Kinecta Federal Credit Union

Kings Federal Credit Union

Lafayette Federal Credit Union

Lake Michigan Credit Union

Lake Trust Credit Union

Landmark Credit Union

Langley Federal Credit Union

FICO 8

Latitude 32 Federal Credit Union

LegacyTexas Financial

M&T Bank

McGraw-Hill Federal Credit Union

Melrose Credit Union

MemberSource Credit Union

Merck Sharp & Dohme Federal Credit Union

Meriwest Credit Union

Merrick

FICO 8 Bankcard

Metro Credit Union

Michigan Schools and Government Credit Union

Michigan State University Federal Credit Union

Fico Score 2

Mission Federal Credit Union

Mizuho Financial Group

Morgan Stanley

Mountain America Credit Union

MUFG Union Bank

Municipal Credit Union

MYCCU

FICO 8

NASA Federal Credit Union

Navy Fed

FICO 9

Navy Federal Credit Union12

NavyArmy Community Credit Union

NBT Bancorp

Nevada Federal Credit Union

New England Federal Credit Union

New Mexico Educators Federal Credit Union

New York Community Bank

Northern Trust

Northwest Bancshares

N–Zedit

Old National Bancorp

Oregon State Credit Union

Pacific Marine Credit Union, California

PacWest Bancorp

Partners Federal Credit Union

Patelco Credit Union, California

PenFed

FICO 9

Pentagon Federal Credit Union

Peoples Alliance Federal Credit Union

Peoples United Financial

PeoplesChoice Credit Union

Pinnacle Financial Partners

Pittsford Federal Credit Union

PNC Financial Services

Polish & Slavic Federal Credit Union

Popular Inc

Premier America

PrimeWay Federal Credit Union

Prince George's Community Federal Credit Union

Progressive Credit Union

Prosperity Bancshares

Provident Financial Svcs

PSECU, Pennsylvania

Publix Employees Federal Credit Union

Purdue Federal Credit Union PEFCU

Randolph-Brooks Federal Credit Union

Raymond James Financial

Redstone Federal Credit Union

Regions Financial

Regions Financial Corporation

Renasant

Richmond Postal Credit Union

Robins Financial CU

FICO 9

Rogue Credit Union

Royal Bank of Canada

SafeAmerica Credit Union

San Diego County Credit Union

Santa Clara County Federal Credit Union

Santander Bank

SchoolsFirst Federal Credit Union

SDCCU

Seattle Credit Union

Security Service Federal Credit Union

SELCO Community Credit Union

Service Credit Union

Signature Bank

Silicon Valley Bank

Simmons First National

South Carolina Federal Credit Union

South State

Southland Credit Union

Spire Federal Credit Union

Spokane Teachers Credit Union

Stanford Federal Credit Union

State Employees Credit Union of North Carolina

State Street Corporation

Sterling Bancorp

Summit Credit Union

Suncoast Schools Federal Credit Union

SunTrust

FICO 8 Bankcard

SVB Financial Group

Synchrony

FICO 8

Synovus Financial

TCF Financial

TD Bank

Technicolor Federal Credit Union

Texas Capital Bancshares

Texas Dow Employees Credit Union

TFS Financial

The Bank of New York Mellon

The Union Credit Union

Timberline Federal Credit Union

Tinker Federal Credit Union

Treasury Department Federal Credit Union

Triangle Credit Union

Tropical Financial Credit Union

TruChoice Federal Credit Union

Truliant Federal Credit Union

TruMark Financial Credit Union

Trustmark

Tyco Federal Credit Union

U of I Community Credit Union

U.S. Central Credit Union Defunct

UBS

UMassFive College Federal Credit Union

UMB Financial

Umpqua Holdings

Union Bankshares

United Bankshares

United Community Banks

United Federal Credit Union

United Heritage Credit Union

United Nations Federal Credit Union

United Teletech Financial

University Credit Union

University of Michigan Credit Union

University of Wisconsin Credit Union

US Alliance Federal Credit Union, formerly UniStar Federal Credit Union

US Bank

Vantage 3.0

USA Federal Credit Union

USAA

Vantage 3.0

USU Charter Credit Union

Valley National Bancorp

Veridian Credit Union

VyStar Credit Union

Washington Federal

Washington State Employees Credit Union

Webster Financial

Wells Fargo

FICO 9

WesBanco

Wescom Credit Union

Western Alliance Bancorp

Western Bridge Corporate Federal Credit Union Defunct

White House Federal Credit Union

Whitefish Credit Union

Wings Financial Credit Union

FICO V2

Wintrust Financial

Xceed Financial Credit Union

Zions Bancorporation

Equifax Bankcard Score 2 Products

Product	Score Model	Credit Bureau
Hungtington Voice Card	BK2	EQ

Experian Bankcard Score 2 Products

Product	Score Model	Credit Bureau

Transunion Bankcard Score 2 Products

Product	Score Model	Credit Bureau

Transunion FICO 8 Products

Product	Score Model	Credit Bureau
Amazon	FICO 8	TU
Barclay Arrival +	FICO 8	TU
BOFA Cash Rewards	FICO 8	TU
Discover it	FICO 8	TU
JcPenney	FICO 8	TU
Lowe's	FICO 8	TU
PayPal	FICO 8	TU
TjMaxx	FICO 8	TU

Experian FICO 8 Products

Product	Score Model	Credit Bureau
AMEX Blue	FICO 8	EX
AEMX Blue Cash Everyday	FICO 8	EX
AMEX Blue Cash Preferred	FICO 8	EX
AMEX Blue Delta Skymiles	FICO 8	EX
AMEX Delta Reserved	FICO 8	EX
AMEX EveryDay	FICO 8	EX
AMEX EveryDay Preferred	FICO 8	EX
AMEX Delta Platinum	FICO 8	EX
AMEX Green	FICO 8	EX
AMEX Hilton Honors Ascend	FICO 8	EX
AMEX Hilton Honors Aspire	FICO 8	EX
AMEX Hilton Honors	FICO 8	EX
AMEX Platinum Ameriprise	FICO 8	EX
AMEX Platinum Personal	FICO 8	EX
AMEX Premier Rewards Gold	FICO 8	EX
Chase Slate	FICO 8	EX

Equifax FICO 8 Products

Product	Score Model	Credit Bureau
AT&T Universal	FICO 8	EQ
Finger Hut	FICO 8	EQ

Transunion FICO 9 Products

Product	Score Model	Credit Bureau

Experian FICO 9 Products

Product	Score Model	Credit Bureau
Ollo	FICO 9	EX

Equifax FICO 9 Products

Product	Score Model	Credit Bureau
Navy Fed	9	EQ

Monitoring credit services

Credit Check Total

https://www.creditchecktotal.com/

$1 for a 7-day trial

MyFico Products

https://www.myfico.com/products/credit-score-monitoring-products/

MyFico vs Credit Check Total

Source 1. http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Check-Total-VS-My-FICO/td-p/4179343

Source 2. http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Check-Total-or-MyFico/td-p/4372826

Others

Credit Karma

https://www.creditkarma.com/credit-monitoring

Contribution from DaveInAZ

Discover's Scorecard, free to everyone (You do not need to have a Discover's accout) - FICO 8, Experian

https://www.creditscore.com/

Contribution from arkane

Experian offers its own free Experian FICO 8 score at www.freecreditscore.com

Citi is also offering a free Experian FICO 8 score for 90 days (courtesy of a finding by ABCD2199)

https://www.creditscore.citi.com/#/

You can stagger all 3 by 10 days apart so you can get tri-monthly updates to your EX score, at least for the first 90 days.

Re: LIST of credit cards and which score they provide

Anonymous — Thu, 12 Oct 2017 16:17:03 GMT

Nice!

Fingerhut supposedly offers EQ FICO8 monthly.

Re: LIST of credit cards and which score they provide

Anonymous — Thu, 12 Oct 2017 16:18:10 GMT

@Anonymous wrote:
Nice!

Fingerhut supposedly offers EQ FICO8 monthly.

i will add it to my list as soon as someone confirms.

Thanks ABCD2199!!

Re: LIST of credit cards and which score they provide

Thomas_Thumb — Thu, 12 Oct 2017 17:24:46 GMT

@Anonymous wrote:
I could not find a list and since a lot of people have asked, i decided to post. Moderator, please adjust/move or merge if already posted.
For everyone else, please add your cards and what scores they provide. For my cards, see below.

Classic FICO 8

Transunion:
Arrival +
Discover it
BOFA Cash Rewards
JC Penney Card (synchrony bank)
Amazon (synchrony bank)
PayPal (synchrony bank)
TjMaxx Card (synchrony bank)
Lowe's Card (synchrony bank)
Barclay Card

Experian:
AMEX
Chase Slate

Bankcard FICO 8

Equifax:
Citi Costco
AT&T Universal (Citi)

Experian:
1st National oh Omaha

Classic FICO 9

Equifax:
PenFed

Experian:
Wells Fargo

Added Wells Fargo to the list, added bankcard/classic designator. My AT&T Universal managed by Citi reports the bankcard version. I suspect the same may be true for the Costco card but, can't confirm. Added Chase Slate and Barclay to the list.

Re: LIST of credit cards and which score they provide

Anonymous — Tue, 05 Dec 2017 08:34:02 GMT

NFCU is showing me a FICO 9 based on Equifax.

Re: LIST of credit cards and which score they provide

Anonymous — Tue, 05 Dec 2017 14:03:09 GMT

OP, can you double check your two Citi accounts to verify the scoring model used? I don't believe that they are FICO 08. From my Citi DC account...

"Your FICO® Score is calculated based on data from your Equifax credit report using the FICO® Bankcard Score 8 model..."

Re: LIST of credit cards and which score they provide

Anonymous — Tue, 05 Dec 2017 17:33:51 GMT

I am pretty sure that any Citi card that provides a FICO score uses FICO 8 Bankcard Enhanced. My Citi Double, Citi Dividend, and Citi ThankYou all give a score. Basically, if a card is a Citi branded card (it has the Citi logo on it) it should give the score. Or at least that's what this piece says:

http://www.magnifymoney.com/blog/building-credit/citi-free-fico-scores-live-something-different367796063/

Re: LIST of credit cards and which score they provide

Anonymous — Tue, 05 Dec 2017 17:40:08 GMT

Our OP may want to look through some of the articles listed in the search below. A number of people around the web have worked up similar summaries. By integrating them together he should be able to get an accurate and comprehensive list fairly quickly.

https://www.google.com/search?q=what+credit+cards+give+free+fico+score&source=lnt&tbs=qdr:y&sa=X&ved=0ahUKEwjYlNGPtPPXAhXETN8KHe_3BGIQpwUIHw&biw=1680&bih=905

I restricted this google search to articles that were updated in the last year.

Re: LIST of credit cards and which score they provide

Anonymous — Tue, 05 Dec 2017 18:01:12 GMT

Again, kudos to the OP for wanting to step up and do this for the broader myFICO community. As the OP continues to develop the list, here are some suggestions:

(1) Combine specific cases into more general ones when possible. For example, the first post reads:

Barclay Arrival +

BOFA Cash Rewards

That might lead somebody to believe that only the Arrival and the Cash Rewards give free FICO scores (at Barclay and BOA). Better might be to say Barclay and BOA and Citi and Synchrony (with a caveat if a few specific products at the issuer don't offer it). The Chase Slate is a good example of that.

(2) Alphabetize CC issuers so that somebody can locate his issuer without reading through a big list.

Re: LIST of credit cards and which score they provide

Anonymous — Mon, 11 Dec 2017 03:05:27 GMT

Does this mean that Capitol One will not help my FICO 8 score? Since it's not on the list?

Re: LIST of credit cards and which score they provide

Physh1 — Mon, 11 Dec 2017 03:14:52 GMT

Bank Of America (Alaska & Cash Rewards) offers Transunion Fico 8

American Express offers Experian Fico 8

Citibank (Simplicity, Costco, & American Airlines) offers Equifax Fico Bankcard Score 8

Re: LIST of credit cards and which score they provide

jesseh — Mon, 11 Dec 2017 15:21:12 GMT

@Anonymous wrote:
Does this mean that Capitol One will not help my FICO 8 score? Since it's not on the list?

Correct, cap one doesn't give free fico's, but refers you to their creditwise service.

Re: LIST of credit cards and which score they provide

Anonymous — Mon, 11 Dec 2017 15:23:27 GMT

@Anonymous wrote:
Does this mean that Capitol One will not help my FICO 8 score? Since it's not on the list?

These are a list of credit card lenders who provide a free FICO score, not a list of which cards help your score.

Re: LIST of credit cards and which score they provide

Anonymous — Mon, 11 Dec 2017 18:11:46 GMT

Hi c00mtg! Are you planning to do anything more with this thread? It's totally fine if you have reconsidered and have decided you don't have time to do all the work to keep it updated.

Let us know if you don't have the time and we'll see if we can find somebody else to take the lead on your idea. Regardless it was a good thought.

Re: LIST of credit cards and which score they provide

arkane — Fri, 15 Dec 2017 23:51:19 GMT

Discover also provides a free "Credit Scorecard" that is separate from their Discover It card which provides the Experian FICO8 score. It's 100% free, and best part is anybody can register, not just Discover cardholders -- https://www.creditscorecard.com/registration

If memory serves, Fingerhut offers Equifax FICO8, while DCU offers Equifax FICO4 (Beacon 5).

Re: LIST of credit cards and which score they provide

rprisco — Sat, 16 Dec 2017 01:29:14 GMT

Thought I'd add Wells Fargo Cash Wise platinum gives monthly Ex Bankcard 2.

OP great post!

Re: LIST of credit cards and which score they provide

Anonymous — Sat, 16 Dec 2017 01:59:09 GMT

@rprisco wrote:
Thought I'd add Wells Fargo Cash Wise platinum gives monthly Ex Bankcard 2.

OP great post!

Our OP hasn't made any updates to this thread for a few months. I think he or she lost interest in it a few days after the initial post.

I think the idea behind it is good. It's just that, to have value, it needs somebody who will regularly update the top post and commit to doing so for at least a year.

I also agree that an improvement would be for the top post to describe free or ultra-low-cost sources of FICO scores -- of which credit cards are only one. CreditScore.com and Discover Scorecard are good sources of free FICO 8 Experian scores, for example.

ABCD and I were talking about finding a person who might want to take the lead on that. Let me know what you think.

Re: LIST of credit cards and which score they provide

Anonymous — Sat, 16 Dec 2017 02:12:33 GMT

I'm regularly on the boards and the reason this post made it back to the top of the list I think. I can commit to keeping it up to date at least for the next few months.

Re: LIST of credit cards and which score they provide

rprisco — Sat, 16 Dec 2017 02:31:30 GMT

I think helping the OP is a great idea, I'd be willing to do what I can to help out and to give back to the community for all I've learned. Maybe OP is away for holidays or too busy with same...

Re: LIST of credit cards and which score they provide

Anonymous — Sat, 16 Dec 2017 02:37:02 GMT

Hey Achieving! You can see several suggestions that I made earlier in this thread. The first thing somebody should do is spend sometime looking at the other resources out on the web. Use those as both sources of information but even more importantly as models for how to structure it. In fact, you might find that the easiest myFICO thread would one that just provided links to already existing web pages -- though again that would depend on finding at least one that is being updated at the top level once a month.

It's awesome that you are willing to help, but doing this for only a few months is not ideal. CC issuers change policies, change models, drop the free score, add the free score, etc. The Share Secure Loan thread in theory really was in place after a month, but it still has needed updates and changes to the posts at the top periodically for the last year or two.