In quest to get a free Transunion Fico score, dont do this (updated)

[Anonymous]

I applied for a credit card and was approved, US Bank pulled TU only. I wanted check how many pts that dropped me since I will be applying for more cards. 

I already have the Experian trial and that ended, so I can’t get an updated Fico for TU. And all other TU scores that I have for free through Credit Karma are vantage fako scores, which are useless (that might be changing) 

1. Went to pro credit (ClickFreescore), which I had book marked from a couple of years ago. They have a $1 trial and I haven’t used this service in a while. Well signed up and says I am not eligible and kicks me off to a partner site for debt relief, ok? Hopefully they haven’t been hacked. (Old website they only provide vantage scores)

1. Went to TU themselves, thinking I can get the true fico score. They charge $24.99 for vantage scores, talked to the rep who refunded me the amount, when I told him I can get that for free elsewhere and why would anyone pay for those fake scores. He stated that more banks and lenders are using the system, I think someone from the board got a vantage pulled for credit. Let’s hope the industry doesn’t go this route

So, I am asking the board, where is another place to get a TU fico score? US Bank only offers a TU vantage score through the bank. Have to give props to credit monitoring services like Credit Wise, Credit Karma, Credit Sesame and Nav Business, they are real-time or within minutes of HP hitting the bureaus. 

[VanderSnoot]

Do you have a Discover card? They give TU F8.

[Anonymous]

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@Anonymous wrote:

I applied for a credit card and was approved, US Bank pulled TU only. I wanted check how many pts that dropped me since I will be applying for more cards. 

I already have the Experian trial and that ended, so I can’t get an updated Fico for TU. And all other TU scores that I have for free through Credit Karma are vantage fako scores, which are useless (that might be changing) 

1. Went to pro credit, which I had book marked from a couple of years ago. They have a $1 trial and I haven’t used this service in a while. Well signed up and says I am not eligible and kicks me off to a partner site for debt relief, ok? Hopefully they haven’t been hacked. 

1. Went to TU themselves, thinking I can get the true fico score. They charge $24.99 for vantage scores, talked to the rep who refunded me the amount, when I told him I can get that for free elsewhere and why would anyone pay for those fake scores. He stated that more banks and lenders are using the system, I think someone from the board got a vantage pulled for credit. Let’s hope the industry doesn’t go this route

So, I am asking the board, where is another place to get a TU fico score? US Bank only offers a TU vantage score through the bank. Have to give props to credit monitoring services like Credit Wise, Credit Karma, Credit Sesame and Nav Business, they are real-time or within minutes of HP hitting the bureaus. 

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Must have missed something? "US Bank offers a TU vantage score through the bank"? They are two separate scoring providers and are  generated from different analytics. Assume you knew this but put them together in the post.

[Anonymous]

I only have a Cap1 and now a US Bank CC (havent received it yet)

Cap1 provides credit wise which is TU Vantage and US Bank for checking accounts provides TU Vantage as well, unsure what the CC from US Bank provides since I have not received it yet.

[Anonymous]

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@Anonymous wrote:

I only have a Cap1 and now a US Bank CC (havent received it yet)

Cap1 provides credit wise which is TU Vantage and US Bank for checking accounts provides TU Vantage as well, unsure what the CC from US Bank provides since I have not received it yet.

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Observed your signature line and noticed you have high Fico Scores! Congrats on your achievements

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I only have a Cap1 and now a US Bank CC (havent received it yet)

Cap1 provides credit wise which is TU Vantage and US Bank for checking accounts provides TU Vantage as well, unsure what the CC from US Bank provides since I have not received it yet.

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Observed your signature line and noticed you have high Fico Scores! Congrats on your achievements

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Getting denied for personal loans with those scores I expect them to drop since I will be applying for more credit cards 3 to 4, hopefully the HPs get Distributed unevenly across all 3 

[Anonymous]

@Anonymouschecked my US Bank Credit Card and they are using TU Vantage 3.0 (300 to 850). As to my checking account, they did not offer any link to the credit report(s). Glad you posted your questions as I now realized that US Bank was not providing a Fico Score. Now this is not new, I did not catch it before!

[Anonymous]

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@Anonymous wrote:

@Anonymousjust checked my US Bank Credit Card and they are using TU Vantage 3.0 (300 to 850). As to my checking account, they did not offer any link to the credit report(s).

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@Dinosaur do you not have a link through your bank account with US Bank? Maybe its my credit card link? I thought it was bank account link, kind of like how Wells Fargos give me a Fico 9 score  

Not happy about that, geez another useless TU vantage score that I get for free. Thinking the industry might be making a push towards the Vantage? Experian Credit works is the only I know of that gives Ficos for $1 trials? 

[Anonymous]

FenderGuy follow your comments completely. Also, I have to inquire of Experian Credit works to find the answers. Good to know others have the same challenges (at least I am not alone).

[Anonymous]

FenderGuy when I first sign in to the US Bank On Line System, I am provided with a complete listing with the "Check My Credit Score for Free". But, when I actually click on the checking account the listing does NOT have a link to check credit. Note, I did check everywhere the "Check My Credit Score for Free" showed (have other loan accounts), it went to the same TU Vantage 3.0 Score check.