Chase New! Free Credit Score

[Anonymous]

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@Anonymous wrote:

Same score you get from Credit Karma.  Or Credit Sesame.  Or Credit Wise.  Or probably a half-dozen other places. 

I'm still looking for someone to provide a free monthly EQ FICO 08.  Combine with an EX 08 from Amex and a TU 08 from Discover (or many other lenders) having an EQ 08 would complete the trifecta.

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Let me know if you find one for EQ. BTW the Discover scorecard is an EX 08 also -- I get both TU and EX from Disco, purposely staggered two weeks apart. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Same score you get from Credit Karma.  Or Credit Sesame.  Or Credit Wise.  Or probably a half-dozen other places. 

I'm still looking for someone to provide a free monthly EQ FICO 08.  Combine with an EX 08 from Amex and a TU 08 from Discover (or many other lenders) having an EQ 08 would complete the trifecta.

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Let me know if you find one for EQ. BTW the Discover scorecard is an EX 08 also -- I get both TU and EX from Disco, purposely staggered two weeks apart. 

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Citi cards provide EQ 09 and I believe few CUs provide EQ 08

[Vegas4Play]

I got an email that Chase will be offering a free Tranunion credit score it is called Chase Credit Journey.

It does not say FICO so I assume it is a FAKO. Will be updated weekly.

***I just read the enrollment page and it states VantageScore.***

[Anonymous]

I have seen some EQ varieties, but never 08. Citi is currently doing 09? I thought they did a bank card enhanced score or one of those less common FICO versions?

[Anonymous]

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@Anonymous wrote:
I have seen some EQ varieties, but never 08. Citi is currently doing 09? I thought they did a bank card enhanced score or one of those less common FICO versions?

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I think you are right.. Citi uses FICO Bankcard Score 8 model from EQ and this is what Citi claims to use in lending decisions but for me they pulled EX not sure which model though.

[Anonymous]

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@Anonymous wrote:

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I think you are right.. Citi uses FICO Bankcard Score 8 model from EQ and this is what Citi claims to use in lending decisions but for me they pulled EX not sure which model though.

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Gotcha.  Sometimes lenders will use one model for the initial lending decision (new account) and use a completely different one for an open account for account review for things like CLIs and such.  Perhaps Citi uses EQ Bankcard Score 8 for existing accounts but pulls something else for new applicants.  

It seems that providing a free EQ FICO 08 score is still the unicorn out there that needs to be found...

[Anonymous]

@BBS

My credit union gives me eq 08 for having a checking acct. I don't have a cc thru that particular CU. I get TU from 2 lenders, 3 before canceling my barclaycard. I get experian from discover scorecard. Not sure who else is giving eq. Like u said, seems to be hard to find.

[Anonymous]

Interesting.  Which CU if you don't mind me asking?  I'm assuming not one of the major ones?

[Anonymous]

The Vantage scores tend to get in line with real FICO scores the less new account and INQ you have, which totally falls in line with chases churning philosophy and 5/24. When my scores were off by almost 100 points it was because of the appspree which did skew my fico scored more than 30 points but Credit Karma burned at the stake for it.