Cards providing free credit score?

Anonymous · ‎07-12-2012

Couldn't find this in search so...

I was wondering what cards offer free credit score monitoring*? Ideally real FICO, low/no AF and something attainable for someone with a mid 600s FICO score. I am about to get rid of CreditOne bank who have a FAKO score and was hoping there was something better. I have also used up all my free uses for myFICO and other services.

I understand Walmart has some kind of free monitoring. Is that real FICO?I recently got approved for Amazon GECB card ($800 CL), is that good indication I can get Walmart?

And any other options?

* EDIT: By 'monitoring' I really meant 'score' and not full credit report, and monthly is fine, don't expect free daily reporting.

Anonymous · ‎07-12-2012

It's not necessarily monitoring but Walmart card does offer free TU fico score each month..It's TU08 verision which is different than what they sell here..

Other than that I'm not aware of FREE monitoring all the ones I'm aware of have a fee attached and aren't FICO

jsucool76 · ‎07-12-2012

I know the walmart card (both the store and discover card) get a free score if you sign up for their paperless/online statements. I believe it's a fico score.

Edit: Well that's awkward, we posted at the exact same time. haha.

Anonymous · ‎07-12-2012

And yes MOST times though YMMV if you can get in with a GE card all the others are much easier..I'd say you would probably be able to get the Walmart card..If you get a denial with GE alot of times it's a verification issue and you can call and get it corrected over the phone.

zan987 · ‎07-12-2012

I got approved for the Amazon card ($700) about 2 months ago and a week later I was approved for the Walmart card. So I also think it is a good indication you will get approved also.

Starting Score: 700
Current Score: 800
Goal Score: 850

Take the myFICO Fitness Challenge

Anonymous · ‎07-12-2012

Thanks for the follow-ups.

Any other cards besides Walmart off free scores?

Anonymous · ‎07-12-2012

@Anonymous wrote:

Any other cards besides Walmart off free scores?

Free FICO® scores can be obtained through the Walmart card (Transunion), you can get a free FICO® from the Digital Federal Credit Union (Equifax), and you can get a free FICO® from PSECU (Experian) but, you have to be a resident of Pennsylvania for that one. To my knowledge, that's it.

Obtaining the Equifax FICO® from here on this website is only $20, which, I don't think is expensive at all, and its still being used by A LOT of lenders. Works for me!

Anonymous · ‎07-12-2012

@Anonymous wrote:
@Anonymous wrote:

Any other cards besides Walmart off free scores?
Free FICO® scores can be obtained through the Walmart card (Transunion), you can get a free FICO® from the Digital Federal Credit Union (Equifax), and you can get a free FICO® from PSECU (Experian) but, you have to be a resident of Pennsylvania for that one. To my knowledge, that's it.

Obtaining the Equifax FICO® from here on this website is only $20, which, I don't think is expensive at all, and its still being used by A LOT of lenders. Works for me!

DCU gives you free monthly Equifax FICO if you meet certain requirements like having one of their CCs.

Anonymous · ‎07-12-2012

I only have a DCU savings account and get my free EQ fico every month, along with my psecu EX

Anonymous · ‎07-12-2012

@Anonymous wrote:
I only have a DCU savings account and get my free EQ fico every month, along with my psecu EX

Yes, I remember another member on here posting that you only needed the savings or checking -- not necessarily any of their credit products.