All three fico scores for free every month, finally!

[sarge12]

I am by the change to Citi Costco card now getting all 3 fico scores free. Amex Blue cash everyday gives fico from exp, Discover gives fico from TU, and when the Costco changed to Citi, I found out they pull fico from Equifax. No longer necessary to pull scores from Myfico...Woohoo!

[RonM21]

Can't beat free! If just utilizing these scores works for you, then you are all set!

[SouthJamaica]

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@sarge12 wrote:

I am by the change to Citi Costco card now getting all 3 fico scores free. Amex Blue cash everyday gives fico from exp, Discover gives fico from TU, and when the Costco changed to Citi, I found out they pull fico from Equifax. No longer necessary to pull scores from Myfico...Woohoo!

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Just bear in mind that while the Discover TU and Amex Experian are FICO 8, the Citi Equifax is Bankcard 8, which is a different model.

[iv]

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@SouthJamaica wrote:

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@sarge12 wrote:

I am by the change to Citi Costco card now getting all 3 fico scores free. Amex Blue cash everyday gives fico from exp, Discover gives fico from TU, and when the Costco changed to Citi, I found out they pull fico from Equifax. No longer necessary to pull scores from Myfico...Woohoo!

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Just bear in mind that while the Discover TU and Amex Experian are FICO 8, the Citi Equifax is Bankcard 8, which is a different model.

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Yeah... subject line got my hopes up for an easy-to-get free EQ FICO Classic 8. Bankcard isn't quite as useful. Oh well.

[SouthJamaica]

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@iv wrote:

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@SouthJamaica wrote:

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@sarge12 wrote:

I am by the change to Citi Costco card now getting all 3 fico scores free. Amex Blue cash everyday gives fico from exp, Discover gives fico from TU, and when the Costco changed to Citi, I found out they pull fico from Equifax. No longer necessary to pull scores from Myfico...Woohoo!

---

Just bear in mind that while the Discover TU and Amex Experian are FICO 8, the Citi Equifax is Bankcard 8, which is a different model.

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Yeah... subject line got my hopes up for an easy-to-get free EQ FICO Classic 8. Bankcard isn't quite as useful. Oh well.

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I don't think the FICO Bankcard 8 score is so far removed from FICO 8. On my last 2 reports, my EQ FICO 8 was just 1 point lower than my Bankcard 8.

[iv]

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@SouthJamaica wrote:

I don't think the FICO Bankcard 8 score is so far removed from FICO 8. On my last 2 reports, my EQ FICO 8 was just 1 point lower than my Bankcard 8.

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Depends... the closer to the middle of the score ranges you are, the closer the scores are likely to be to each other.

At either the top or bottom of the ranges, the difference is likely to be greater. (mostly due to the expanded min/max on BC)

I usually see a 10-20 point difference, with BC always being higher for me.

[Anonymous]

Yes, it's great to get all 3 for free!  Remember to check your CR's too.  You never know what they can throw on there.  

[Anonymous]

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@SouthJamaica wrote:

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@iv wrote:

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@SouthJamaica wrote:

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@sarge12 wrote:

I am by the change to Citi Costco card now getting all 3 fico scores free. Amex Blue cash everyday gives fico from exp, Discover gives fico from TU, and when the Costco changed to Citi, I found out they pull fico from Equifax. No longer necessary to pull scores from Myfico...Woohoo!

---

Just bear in mind that while the Discover TU and Amex Experian are FICO 8, the Citi Equifax is Bankcard 8, which is a different model.

---

Yeah... subject line got my hopes up for an easy-to-get free EQ FICO Classic 8. Bankcard isn't quite as useful. Oh well.

---

I don't think the FICO Bankcard 8 score is so far removed from FICO 8. On my last 2 reports, my EQ FICO 8 was just 1 point lower than my Bankcard 8.

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Bear in mind that the Bankcard version goes to 900, so you really need to adjust for a valid comparison. For example, my EQ classic is 754 and my Bankcard is 752. Looks like they're pretty close, right? But the classic score is 88.7% of maximum, while the Bankcard score is only 83.5% of maximum.

[Anonymous]

btw - Discover gives free EX FICO8 for everyone, you don't need to be a customer - https://www.creditscorecard.com

[CreditDunce]

If you don't have any creditors that use EQ-08 classic, it isn't a score you really need to follow.  With CK to monitor your EQ report, you don't need the score to know when something is wrong with your EQ report.

Here is an old thread with different places to get free scores.  There are a couple of eq-08 scores if you read the entire thread.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...