topic Re: Free EQ score at myFICO? in General Credit Topics

Free EQ score at myFICO?

masscredit — Fri, 09 May 2025 01:42:59 GMT

I pay $14.95 per month to monitor my EX08 score/report here. I've been a member since 2012. I'm guessing the plan(s) have changed over the years. Recently someone mentioned getting that score here for free. Does it update monthly or everytime there is a change? I get a notification when there is a change. I don't see the plan I subcribe to in the list - Compare plans

Re: Free EQ score at myFICO?

Varsity_Lu — Fri, 09 May 2025 01:57:49 GMT

Pretty sure it's like a secret link to sign up for the free version. I got my son on myFICO and had to open an incognito browser to find the free link.

I get one report per month from Equifax, but the score (Equifax) updates whenever there is a change, so several times a month. Pretty sure the score is the the current daily score. Not quite as nice as Experian's free service which gives you a daily report as well, but still pretty good. I mean it's free, right?

Re: Free EQ score at myFICO?

FicoMike0 — Fri, 09 May 2025 03:11:36 GMT

Try this link

https://www.myfico.com/products/fico-blp?utm_medium=cpc&utm_source=bing&utm_campaign=361541560&utm_content=&utm_adgroup=1187474322854670&utm_term=myfico%20free&utm_type=e&utm_target=kwd-74217446143740:aud-813470868:loc-4117&utm_device=t&msclkid=deedb057523a13d14839d84a23e8fb8d

Re: Free EQ score at myFICO?

FicoMike0 — Fri, 09 May 2025 03:14:26 GMT

Says you get a monthly report update.

My present score has the date 4/23/2025.

Re: Free EQ score at myFICO?

masscredit — Fri, 09 May 2025 03:21:33 GMT

@FicoMike0 wrote:
Says you get a monthly report update.
My present score has the date 4/23/2025.

I can use Credit Karma for my reports. That info is accurate. Does your score update if there are changes or just monthly?

Re: Free EQ score at myFICO?

Realist — Fri, 09 May 2025 03:24:45 GMT

I'm not exactly sure how I got mine, I want to say I visited during a holiday, and it showed $0, so I went with it. I just thought that was the basic membership.

The FICO score updates once per month, but you can manually update at anytime. I've never noticed any difference in score when updating manually. As for the FICO score itself, I have over a dozen or so CC's that monitor score, so the scores have been in the ballpark most everywhere. Only here, they'll give you a nice list of positives or negative activities or events that are affecting your score.

It's a nice tool in the toolbox.

Re: Free EQ score at myFICO?

FicoMike0 — Fri, 09 May 2025 03:34:42 GMT

I just updated my report on the myfico app. My score didn't change, but the date changed to today. So, I think you get your score once a month, you can choose when to update it.

To get the free sub, you'll probably have to cancel the paid sub first. Otherwise, when you log on, you'll go to paid sub.

Re: Free EQ score at myFICO?

NoHardLimits — Fri, 09 May 2025 07:02:43 GMT

I have the free FICO subscription at myFICO. I can manually request a new report once a month (not calendar month; it's based upon your subscription start date). I can choose the date to pull, and the date can be at any point during that subscription month. My subscription info under the "Reports" tab tells me the earliest date that I can request my next report update.

The score can update multiple times a month. Whenever there is a change, I get an alert and then I can go view the new score under the "Scores" tab. However, the report does not automatically update at the same time. I still need to manually request a new report according to the monthly restriction.

Re: Free EQ score at myFICO?

Varsity_Lu — Fri, 09 May 2025 11:53:19 GMT

@FicoMike0 wrote:
So, I think you get your score once a month, you can choose when to update it.

Just one report per month, but the score updates whenever there is a change.

Re: Free EQ score at myFICO?

PayAndProsper — Tue, 27 May 2025 09:07:26 GMT

@masscredit escribió:
I pay $14.95 per month to monitor my EX08 score/report here. I've been a member since 2012. I'm guessing the plan(s) have changed over the years. Recently someone mentioned getting that score here for free. Does it update monthly or everytime there is a change? I get a notification when there is a change. I don't see the plan I subcribe to in the list - Compare plans

I hope this is a typo and that you are not paying for EX FICO 08. You can get your Experian 08 scores and reports free from the Experian website. You can also do their free trial in order to get a look at all three FICO 08 scores. This is a process that can be repeated.

As for the Equifax monitoring through myFICO; the score updates whenever there is a change and the reports can be generated monthly.

You can get TransUnion and Equifax credit reports daily from Credit Karma; TransUnion credit reports daily from the TransUnion website; and the credit reports from Equifax, Experian, and TransUnion from Annualcreditreport.com on a weekly basis. All of those options are free of cost.

Re: Free EQ score at myFICO?

Varsity_Lu — Mon, 26 May 2025 23:35:56 GMT

@PayAndProsper wrote:
@masscredit escribió:
I pay $14.95 per month to monitor my EX08 score/report here. I've been a member since 2012. I'm guessing the plan(s) have changed over the years. Recently someone mentioned getting that score here for free. Does it update monthly or everytime there is a change? I get a notification when there is a change. I don't see the plan I subcribe to in the list - Compare plans

I hope this is a typo and that you are not paying for EX FICO 08. You can get your Experian 08 scores and reports free from the Experian website. You can also do their free trial in order to get a look at all three FICO 08 scores. This is a process that can be repeated.

As for the Equifax monitoring through myFICO; the score updates whenever there is a change and the reports can be generated monthly.

You can get TransUnion and Equifax credit reports daily from Credit Karma; Transunion credit reports daily from the TransUnion website; and the credit reports from Equifax, Experian, and TransUnion from Annualcreditreport.com on a weekly basis. All of those options are free of cost.

Lots of places to get free reports and scores.

Re: Free EQ score at myFICO?

AndySoCal — Tue, 27 May 2025 02:26:45 GMT

@masscredit @Varsity_Lu Near where it tells you can get the FICO for free there is link that get access now. click on the the link. I have already done this on a previous offering it works.

Re: Free EQ score at myFICO?

Patient957 — Tue, 27 May 2025 04:11:26 GMT

@NoHardLimits wrote:
I have the free FICO subscription at myFICO. I can manually request a new report once a month (not calendar month; it's based upon your subscription start date). I can choose the date to pull, and the date can be at any point during that subscription month. My subscription info under the "Reports" tab tells me the earliest date that I can request my next report update.

The score can update multiple times a month. Whenever there is a change, I get an alert and then I can go view the new score under the "Scores" tab. However, the report does not automatically update at the same time. I still need to manually request a new report according to the monthly restriction.

^^^This.

The score updates whenever there's a change. The report updates monthly, upon request. But of course you can get weekly free EQ reports at ACR dot com. So if your score updates on MF, you can immediately go to ACR to find out why.

Re: Free EQ score at myFICO?

masscredit — Tue, 27 May 2025 04:51:24 GMT

@PayAndProsper wrote:
@masscredit escribió:
I pay $14.95 per month to monitor my EX08 score/report here. I've been a member since 2012. I'm guessing the plan(s) have changed over the years. Recently someone mentioned getting that score here for free. Does it update monthly or everytime there is a change? I get a notification when there is a change. I don't see the plan I subcribe to in the list - Compare plans

I hope this is a typo and that you are not paying for EX FICO 08. You can get your Experian 08 scores and reports free from the Experian website. You can also do their free trial in order to get a look at all three FICO 08 scores. This is a process that can be repeated.

As for the Equifax monitoring through myFICO; the score updates whenever there is a change and the reports can be generated monthly.

You can get TransUnion and Equifax credit reports daily from Credit Karma; Transunion credit reports daily from the TransUnion website; and the credit reports from Equifax, Experian, and TransUnion from Annualcreditreport.com on a weekly basis. All of those options are free of cost.

Actually, I just realized there is a typo. I've been paying for my EQ08, not EX08. Have been doing that for years. Canceled it recently. I use CK to check my TU and EQ reports. I know the scores are for entertainment purposes only. And I'll do the free trial on the Experian site once in awhile.