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Equifax FICO 5 refresh

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Equifax FICO 5 refresh

Is there a service for Equifax Fico 5 (Morgage) daily refresh? MyFICO only gives you once a month unless you buy it as needed, and same with Equifax company. 

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Re: Equifax FICO 5 refresh

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Re: Equifax FICO 5 refresh


@nyripon wrote:

Is there a service for Equifax Fico 5 (Morgage) daily refresh? MyFICO only gives you once a month unless you buy it as needed, and same with Equifax company. 


I have yet to find anyone who will give you a daily refresh of FICO 5.  Ex will give you FICO2 daily as a subscriber, but FICO5 daily is quite elusive.  

 

Quick edit: I'll take that a step farther, and say you will be hard pressed to find anyone who even provides you the score when something CHANGES.  If EQ's credit monitoring & score product wasn't complete crap, they'd probably be it... but it is, and for some reason they haven't learned from EX yet.    NO ONE provides EQ5 on a constantly-updating-when-things-change basis.  In fact, I'd argue the *ONLY* place that provides a true "we pull your report daily and give you a *DAILY UPDATING* score* is Experian.  Even MF's (of which I am a subscriber) FICO8 isn't a daily refresh - is based on an alert subscription to the bureaus, and only refreshes when it detects an alert... which is NOT perfect or the fastest to update.  

 

  
  
---- NAILED IT!

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Re: Equifax FICO 5 refresh

I think you'll be hard pressed to find a daily update for EQ5. For the most part though, your score shouldn't change that drastically day to day, unless your utilization changes a lot when a card reports. By the 15th of every month, all of my cards will have reported and my scores don't budge after that, so it's usually a good time to pull scores. You can probably do the same. 





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Re: Equifax FICO 5 refresh

As others have said, EQ FICO any score model is elusive other than a handful of CC's and MyFICO.  MTG scores even more elusive.  I agree, that's an untapped market by which EQ could win win.

 

But if there's ever a reason to purchase MyFICO reports (although I'm a monthly subscriber just because), it seems well worth the expense for monitoring your scores if necessary for a MTG.  Usually the biggest purchase you'd make and worth knowing.

FICO - 8: 12/03/20 AU 8 BC 8
FICO - 9: 11/19/20 AU 9 BC 9
F5,F4,F2 11/19/20 AU... BC...
Vantage 12/03/20
As of 12/01/20:
AoOA - 24Y9M | AoYA – 0Y1M | AAoA – 11Y7M
Open: 11 CC: (1 reporting 3.53% : 0.74% AGG UTL) | 1 PLOC | 1 MTG loan: 73.16% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 1/24 | (EX) 1/24
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