Experian Monthly FICO Score

jacksont1981 · ‎07-26-2014

What other bank besides FNBO (First National Bank of Omaha) provides you with a real FICO score monthly? I have scorewatch for Equifax and Walmart for Transunion. I need a monthly Experian FICO as well. I dont think I am good enough credit wise to apply for a FNBO card yet.

Started 6/2014 EX 594 EQ 617 TU 580 FICO's Goal is 740's and up

mongstradamus · ‎07-26-2014

@jacksont1981 wrote:
What other bank besides FNBO (First National Bank of Omaha) provides you with a real FICO score monthly? I have scorewatch for Equifax and Walmart for Transunion. I need a monthly Experian FICO as well. I dont think I am good enough credit wise to apply for a FNBO card yet.

I think the only other option is psecu, its credit union based in Penn. I think you need to live or work in Penn.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

jacksont1981 · ‎07-26-2014

Dang! OK thanks!

Started 6/2014 EX 594 EQ 617 TU 580 FICO's Goal is 740's and up

NewtonTBass · ‎07-26-2014

CapitalOne does, they do not use FICO, They use TU (TransUnion) for their scoring.

hope this helps.

Happiness is having a bad memory

mongstradamus · ‎07-26-2014

@NewtonTBass wrote:
CapitalOne does, they do not use FICO, They use TU (TransUnion) for their scoring.

hope this helps.

For me the Cap one score is almost exactly the same as CK

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

bigblue7722 · ‎07-26-2014

@mongstradamus wrote:
@NewtonTBass wrote:
CapitalOne does, they do not use FICO, They use TU (TransUnion) for their scoring.

hope this helps.
For me the Cap one score is almost exactly the same as CK

it is the same score.

OP credit one gives a score if you get a denial i think it may be a fako

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Revelate · ‎07-29-2014

@jacksont1981 wrote:
What other bank besides FNBO (First National Bank of Omaha) provides you with a real FICO score monthly? I have scorewatch for Equifax and Walmart for Transunion. I need a monthly Experian FICO as well. I dont think I am good enough credit wise to apply for a FNBO card yet.

Think FNBO has that on their secured product too (though their score is Bankcard Enhanced, something to be aware of) if you don't mind tossing $300 of your savings into one of their accounts for call it 15 months based on their literature.

Personally I just ignore my EX FICO, but I'm into the long slog of marginal score improvement until my derogs start falling off in 2018ish whereas if you're still building, may make more sense to do so.