Cards with Equifax Benefits

[Cotton_Britches]

Are there any credit cards or accounts that offer a free Equifax FICO score? I get a free TU score from my Walmart card and a free EX from PSECU.

[MarineVietVet]

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@Cotton_Britches wrote:

Are there any credit cards or accounts that offer a free Equifax FICO score? I get a free TU score from my Walmart card and a free EX from PSECU.

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Within the CMS Guide there is this information:

Digital Federal Credit Union - Beacon 5.0 - FREE - As a checking account holder for a couple of different checking accounts, DCU will provide for you your EQ FICO on a monthly basis and it'll be delivered via a private message.

SaveandInvest.org - Beacon 5.0 - FREE - If you happen to be an active duty service member or a family member of one who are at risk financially, then you can get a free EQ or TU FICO score. FINRA Investor Education Foundation partnered up with myFICO to provide free scores to help those who might be at risk of losing their security clearance. It's the same scores found on myFICO.

Unitus Community Credit Union - Beacon 5.0 - FREE - Unitus also offers a free monthly EQ FICO score to their members. In order to use this benefit, you must have a checking account, using e-statements, and also a credit account like a CC or loan. Added 2/24/2012

M&T Bank - Beacon 5.0 - $2.99/mo - M&T Bank offers a monthly EQ FICO for those who have a checking account and use their web banking service. It's provided on a monthly basis and also includes factors that impact your FICO score.

Equifax's 3-in-1 Credit Report w/ EQ FICO score  -  Beacon 5.0  -  $39.95/one-time  -  Equifax still partners with myFICO and offers a three-in-one report with an EQ FICO for the EQ portion of the report.

Equifax Score Power report w/ EQ FICO score  -  Beacon 5.0  -  $19.95/one-time  -  Along with the 3-in-1 mention above, you can still purchase your full EQ report and they'll also provide you a FICO score. If you order your free annual credit report EQ report, and opt for a score, it isn't a FICO score. It's their FAKO. Updated 2/24/2012

[pizzadude]

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@Cotton_Britches wrote:

Are there any credit cards or accounts that offer a free Equifax FICO score? I get a free TU score from my Walmart card and a free EX from PSECU.

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If any of your existing creditors pull EQ FICO then you could also potentially get your score if you were to be denied a CLI or approval....

[Anonymous]

DCU offers their members their free monthly EQ FICO score. It's not hard to qualify for membership, I just had to pay some one-time donation of $10 or $15 to whatever charity or organisation it was.

[Datx]

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@Anonymous wrote:

DCU offers their members their free monthly EQ FICO score. It's not hard to qualify for membership, I just had to pay some one-time donation of $10 or $15 to whatever charity or organisation it was.

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Its the Reach Out for Schools organization. I been wanting to join DCU for awhile now, and actually just came back from the post office just a couple of hours ago to drop off my application in the mail.

[SwiftTone]

to qualify for DCU's free FICO score you must have 2 of the follow 3 things

"With any DCU Checking Account you'll receive these benefits automatically every month you do any 2 of the following 3 things:

1. Direct deposit your net pay, Social Security, or pension to your checking account2 
2. Receive all your DCU statements electronically3 
3. Have an active loan with DCU (such as a DCU Visa Credit Card) "

Otherwise, I think its $5 a month I believe.

[Anonymous]

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@Datx wrote:

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@Anonymous wrote:

DCU offers their members their free monthly EQ FICO score. It's not hard to qualify for membership, I just had to pay some one-time donation of $10 or $15 to whatever charity or organisation it was.

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Its the Reach Out for Schools organization. I been wanting to join DCU for awhile now, and actually just came back from the post office just a couple of hours ago to drop off my application in the mail.

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That sounds about right. I had to unfreeze my EQ report to join DCU so it took them a few days to process things, but otherwise it was relatively painless since I just filled out the membership form online and then emailed them the rest of the forms they asked for.

[Cotton_Britches]

Thanks for the information guys. Most helpful!    

[LS2982]

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@Cotton_Britches wrote:

Are there any credit cards or accounts that offer a free Equifax FICO score? I get a free TU score from my Walmart card and a free EX from PSECU.

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I believe the CU DCU (Digital Credit union) gives out free EQ FICO's. Also M&T Bank offers them with a checking account for $2.99 monthly.