topic Re: what is the best way to see your FICO 8 ? in General Credit Topics

what is the best way to see your FICO 8 ?

matthewnewso — Mon, 30 Sep 2024 03:45:27 GMT

what is the best place to find my REAL FICO 8 because I used smart credit and my credit IQ then myFICO I think my fico is the best but I'm new to all this

Re: what is the best way to see your FICO 8 ?

GZG — Mon, 30 Sep 2024 03:53:19 GMT

@matthewnewso wrote:
what is the best place to find my REAL FICO 8 because I used smart credit and my credit IQ then myFICO I think my fico is the best but I'm new to all this

for free?

experian offers free Experian FICO 8

myFICO offers free Equifax FICO 8

Re: what is the best way to see your FICO 8 ?

Varsity_Lu — Mon, 30 Sep 2024 10:07:36 GMT

@GZG wrote:
Experian offers free Experian FICO 8

myFICO offers free Equifax FICO 8

☝🏼

This.

I created a free account with all of the reporting agencies (Eq, Ex, and TU) and froze my credit reports. You get Ex from their site for free. Or, if you have AmEx, they give it to you for free. myFICO.com gves you Eq for free. I get TU from Huntington Bank for free.

Re: what is the best way to see your FICO 8 ?

JoeRockhead — Mon, 30 Sep 2024 16:48:30 GMT

To see your real FICO 8 score, here are the best options: The Best options for free scores are what @GZG mentioned in the first reply

myFICO: This is the official site for FICO scores. They offer various plans that include your FICO 8 score, along with other versions and detailed credit reports.

Credit Card Issuers: Some credit card companies provide free access to your FICO score as part of their services. Check if your bank offers this

Credit Monitoring Services: While you mentioned using Smart Credit and Credit IQ, ensure they specifically provide the FICO 8 score. Not all services offer the same score model. Most third party monitoring services only show Vantage 3.0 scores

Annual Credit Report: You can get a free credit report once a year from AnnualCreditReport.com, but this won't provide your FICO score. However, it can help you understand your credit history. Annual Credit Report will allow you to pull your reports for free once every 7 days, not once a year only.

Direct Purchase: You can also buy your FICO score directly from the FICO website, ensuring you're getting the most accurate version.

Always make sure you're looking for the FICO 8 version specifically, as there are different versions (like FICO 9 or FICO 10). Good luck!

The best options for seeing your Fico 8 scores for free from EX and EQ were given in the first reply. MyFico offers one time purchases as well as different paid monthly plans.

Re: what is the best way to see your FICO 8 ?

Snook_on_the_Line — Wed, 02 Oct 2024 13:55:10 GMT

I get my Transunion fico 8 free from Barclays.

I believe discover and boa also give their cardholders free Transunion scores

Re: what is the best way to see your FICO 8 ?

FicoMike0 — Wed, 02 Oct 2024 17:31:36 GMT

Here's my list:

TransUnion

fico8 - Huntington bank

Fico9 bank card - Commerce bank

Experian

fico8 - experian

fico8 - amex

fico9 - Wells fargo

Equifax

fico8 - myfico

fico9 - Penfed

fico9 - Langley