Free Credit Score (not FAKO)

[Artzdelux]

I dont know if this is posted anywhere else, but can anyone tell me where I can get a free trial of any product that I could discontinue w/ no issues that would give me access to all of my credit reports and scores (real ones not FAKO's)?  I am looking to apply for an offer that I have received which is a Citi Platinum Select card w/ 0% APR for a year for a BT, as well as 0% on purchases and a fixed APR of 7.99%.  I only want to apply if I am in the position to get approved, as I dont want to take any dings on my score.

I have a FAKO of 718 of Transunion's that my WAMU card gives me access to.  I know that purchasing the products here are generally the best bet, but cash is really tight right now, and honestly I dont plan on doing anything else with my credit for at least another year, so I dont think it would make any sense to spend the $$.

thanks for all your help!

[llecs]

Unfortunately, no such trial exists. However, ScoreWatch via this site offers a chance to get your EQ score only, via a 30 day trial. Coincidentally, Citi tends to pull EQ, but not always.

Message Edited by llecs on 07-03-2008 11:59 AM

[Anonymous]

Arts - Are you sure the TU score you are getting from Wamu is a FAKO?   If it is from their credit card, it is probably a bankcard enhanced FICO, which, while not the same as a classic FICO used by mtg lenders, is still a real FICO that a credit card company would use to assess you as a credit risk.

If you have access to this online with Wamu, then it will actually say FICO.  The bankcard FICO I have with my credit card is actually from EX, not TU.

Check it out and let us know.

[Artzdelux]

My bank card score is a FICO from transunion.  Is this a good measure of my actual score, or how would it compare with an actual FICO?  I was also looking to try to get the other 2 reports/ scores to make sure that all of the information is updated and the same.

[Anonymous]

It is a genuine FICO score but it is geared for revolving account lenders. FICO scores sold on this site are "classic" scores calibrated for mortgage lenders - these scores are more well rounded. The PFICO you obtained through WaMu emphasizes your revolving account history even more than the FICO's sold on this site.

If you have a poor revolving history but excellent installment history then your "classic" score might be higher. If the opposite is true you might have a lower "classic" score. Best way to find out is to pull your score on here - if you google "myfico discount code" it won't be too expensive.

[Anonymous]

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Boscoe wrote:

If you have access to this online with Wamu, then it will actually say FICO.  The bankcard FICO I have with my credit card is actually from EX, not TU.

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Some people get EX PFICOs and some get TU PFICOs.  There doesn't seem to be any pattern.

Mine started as EX but switched to TU after a couple of months.