Free FICO Scores

[HeavenOhio]

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@timbales1wrote:
CCT score is no longer Fico 8 scores but Fico Plus similar to all the other Credit Karma type scores.

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Where are you getting this information? Credit Check Total's main page still advertises three reports and FICO 8 scores for the $1 trial.

[Anonymous]

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@timbales1wrote:
CCT score is no longer Fico 8 scores but Fico Plus similar to all the other Credit Karma type scores.

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I am active with a seven day $1 trial right now. It is a FICO 8 score. From all three CRAs.

[Anonymous]

Our friend TimBales probably pulled his CCT scores and they had a banner indicating that they used the old Plus model.  Here is a thread that was started a couple days ago discussing this.  The consensus appears to be that CCT has something buggy in its presentation software that occasionally displays a "Plus" banner -- but that even when it does this, the scores are still FICO 8 Classic scores.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-Score-8-vs-Plus-Score-CCT/td-p/51832...

[Anonymous]

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@timbales1CCT score is no longer Fico 8 scores but Fico Plus similar to all the other Credit Karma type scores.

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This statement above is incorrect.  What CGID referenced in the post above is correct.  CCT is still providing Score 8 scores, although they sometimes incorrectly state that they are of the Plus variety.  The scores are exactly the same regardless of which label they put on them; they are FICO Score 8's.  Yesterday my EX score was shown as Plus, then today I log in and the same score was there (dated yesterday) saying it wa Score 8.  Just some buggy stuff going on, but their scores are still legit FICO Score 8.

[SouthJamaica]

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@Red1Bluewrote:

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@Anonymous wrote:

creditscorecard.com will provide you monthly with a free EX FICO 08 score. 

Many credit cards (Discover, Amex, etc) will provide you with a free monthly FICO score.

If you're willing to spend a dollar, you can get all 3 of your FICO 08's from Credit Check Total.

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How accurate is the reports or scores the credit card vendors are providing for free?

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They're completely accurate.

They're just (a) not timely and (b) limited to the particular FICO scoring model and credit bureau employed.

[Anonymous]

Are you sure the CC freebie FICOs aren't the bankcard version? I.e. not the classic FICO 8?

[Anonymous]

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@Anonymouswrote:

Are you sure the CC freebie FICOs aren't the bankcard version? I.e. not the classic FICO 8?

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Depends on which creditor. Discover/Amex are classic, Citi is bankcard.

[Anonymous]

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@timbales1wrote:
CCT score is no longer Fico 8 scores but Fico Plus similar to all the other Credit Karma type scores.

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There is no such thing as Fico Plus score. There has been a report that when logged in to CCT it occasionally shows "PLUS score" instead of "FICO score", but the number is exactly same, and it's more likely a programming glitch rather than using a different model.

PLUS is another a scoring model but it's not FICO.