@oscar_actuary wrote:walmart, Discover IT, or Priceline (Barcaly bank) all give TU free scores with thier CC statements
there are also an few CU that offer free fico score, like DCU and PSECU.They usally have intial fee + HP though. FNBO cards also offer an variation of the ex fico score, don't remember which it is.
@Anonymous wrote:
Ok thanks. Yeah I don't qualify for any of those cards. so what is cheapest way to obtain them? Thanks
I think the intitial fee to join CU is like 15-20 not that bad, but you will get an free fico every month, if you don't mind the HP then i think thats an pretty good investment. DCU for example gives you eq04 so thats pretty good if you are looking at pulls that mortgage lenders usually pull.
There is no actual free fico scores, they either cost you money or inquiries. How sensitive are you about accuracy? Unless your profile is full of collections/late payments/judgements, sites like CreditSesame and Quizzle will put you into the correct range.
Something else you can do is to add up your CreditSesame/CreditKarma/Quizzle scores and divide by 3. Not a FICO but it gets you close.
Something else you can do is to add up your CreditSesame/CreditKarma/Quizzle scores and divide by 3. Not a FICO but it gets you close.
$20 to get and monitor your Fico 08 scores for all 3 reports on this site. Seems pretty cheap to me. Especially with a low score while rebuilding.
As stated, DCU gives EQ04 monthly free but will cost a 1 time HP to join. Barclays offers a score update with major changes up to every 10 weeks? Credit requirements not high.
Next year other lenders will also be offering fico scores.
@TheGardner wrote:$20 to get and monitor your Fico 08 scores for all 3 reports on this site. Seems pretty cheap to me. Especially with a low score while rebuilding.
As stated, DCU gives EQ04 monthly free but will cost a 1 time HP to join. Barclays offers a score update with major changes up to every 10 weeks? Credit requirements not high.
Next year other lenders will also be offering fico scores.
Just to piggy back Walmart store card offers TU 08 fico score every month, and its very easy card to get. Discover IT also offers same service with their card, its an bit more difficult to get than walmart store card.
Also yes the 3b monitoring gives you scores, but its not really once an month its more like whenever there is an score change it will get updated which may or may not be every month. The thing is with the service EX and TU monitoring really lags behind EQ, so i am not even sure how accurate it is. On paper its an nice service but in practice not so much
@mongstradamus wrote:
@TheGardner wrote:$20 to get and monitor your Fico 08 scores for all 3 reports on this site. Seems pretty cheap to me. Especially with a low score while rebuilding.
As stated, DCU gives EQ04 monthly free but will cost a 1 time HP to join. Barclays offers a score update with major changes up to every 10 weeks? Credit requirements not high.
Next year other lenders will also be offering fico scores.
Just to piggy back Walmart store card offers TU 08 fico score every month, and its very easy card to get. Discover IT also offers same service with their card, its an bit more difficult to get than walmart store card.
Also yes the 3b monitoring gives you scores, but its not really once an month its more like whenever there is an score change it will get updated which may or may not be every month. The thing is with the service EX and TU monitoring really lags behind EQ, so i am not even sure how accurate it is. On paper its an nice service but in practice not so much
+1 on the MyFICO monitoring. If you really want to understand what goes in the score, how your credit is changing, you need that service. (if there is a lag, I haven't been using it enough to notice)
+1 on the Discover note. The Discover suggestions for ways your score is working are a bit limited, but not too bad. It gets the headline issues you need to address.
Capital One also shows your credit score, and six categories of how you rate in general.
