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Credit car monitoring scores

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Frequent Contributor

Credit car monitoring scores

Can't find the post I was reading yesterday but where do I find the fico scores used by the credit card companies for free scores?  I'm trying to figure out which of these is my eq fico score.

Message 1 of 6
5 REPLIES 5
Valued Contributor

Re: Credit car monitoring scores

Are you referring to scores provided by a particular card? Or a free service like credit karma with fako scores?
Message 2 of 6
Senior Contributor

Re: Credit car monitoring scores

You need to consider the specific scoring model -- not just the CRA and FICO.  FICO doesn't have just one model.  Citi, for example, provides an EQ FICO but it's a FICO 8 Bankcard which isn't the same thing as a FICO 8.  PenFed also provides an EQ FICO but it's an EQ FICO NG2.

 

See also the Understanding FICO Scoring subforum and its stickies for info on the various FICO models used by creditors as well as resources such as:

http://www.myfico.com/Products/FICOScore8Disclaimer.html

http://www.myfico.com/crediteducation/fico-score-versions.aspx

http://www.myfico.com/crediteducation/fico-score-8.aspx

 


@keejarider wrote:

Can't find the post I was reading yesterday but where do I find the fico scores used by the credit card companies for free scores?


Keep in mind that the score used by a creditor and the score provided by the creditor may not be the same thing.

Message 3 of 6
Moderator Emerita

Re: Credit car monitoring scores


@keejarider wrote:

Can't find the post I was reading yesterday but where do I find the fico scores used by the credit card companies for free scores?  I'm trying to figure out which of these is my eq fico score.


I think you may be referring to the post that gave the Discover link (www.creditscorecard.com) that gives a free Experian score.

Do you have any credit cards that provide you free FICO scores?  Barclays provides a free TU score

Message 4 of 6
Frequent Contributor

Re: Credit car monitoring scores

I was refering to the scores provided by Discover, Capital one, Barclays etc.  I was really just curious who uses what, ie. Barcays uses eq or tu, Discover uses fico 8 etc.  

Message 5 of 6
Regular Contributor

Re: Credit car monitoring scores

Was it this one?

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/CC-s-that-Provide-free-EQ-score/td-p/4727986#M...

Starting score 3/31/15 CK 552/572. Current score 6/23/19 CK 737/737.
FICO TU (Barclay, 6/12) 779; FICO EQ (Citi, 5/28) 698, FICO EX (FCS, 6/23) 765.
Message 6 of 6
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