Source for ALL FICO scores w/o a membership?

[Anonymous]

Is there a source where one can obtain all of their FICO scores like the ones available with a monthly membership from myFICO without an actual monthly membership?

Something similar to CCT is what I had in mind, except instead of just your 3 FICO 08 scores you'd get all 28 FICO scores like what myFICO provides.  Or, can you sign up for a myFICO membership to get all of your scores and cancel after 1 month?  What would that cost for all your scores, $20 or $30?  

I only really track my FICO 08's currently, but would like to see ALL of my FICO scores once just to know how they all compare relative to my FICO 08's.  I don't really care to track all of them all the time like I do my 08's, though. 

[Revelate]

For all bureaus, no.

You can pretty much do this with Experian if this is all you care about: pay $5 and get all the additional scores single point in time as an upsell from their free service (still a membership but it's a free one).  That's as close as it comes to my knowledge, and compared to other options it's a heck of a deal... whether Equifax or Transunion will follow suit remains to be seen, but if they do then I suspect myFICO will significantly revamp their product suite too, as is the 1B Experian report no longer makes any real sense from a consumer perspective for scores.

My guess is there will be continued product evolution over time in this space, and that should be a win for those of us who care enough to spend anything on FICO scores.  I'm a little lucky in that I don't really care much about either Transunion or even Equifax other than I need my EQ scores to get higher so I can play in the top tiers for a future mortgage rather than where I was before, but for virtually everything else they don't really matter to me except maybe pre-dealer auto financing from DCU/Penfed which are both EQ all the time.

Oh FFS, Experian has jacked up the price, guess I wound up on some introductory offer.  All scores now $15, and individual types of scores (mortgage, auto, bankcard) are $5.

1 step forward two steps back.

[Anonymous]

Great question! I was just trying to find something too!

Also, will myfico subscription still work if I freeze my credit reports? I just did this, with the exception of TU as I have an open dispute, and Wanted to be sure. I like myfico so far with my only complaint being new inquiry reporting notices are very slow. Sometimes taking a few plus days to get notifications. Credit karma and creditwise have been super fast though....within minutes.

[Anonymous]

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@rmm140 wrote:

Great question! I was just trying to find something too!

Also, will myfico subscription still work if I freeze my credit reports? I just did this, with the exception of TU as I have an open dispute, and Wanted to be sure. I like myfico so far with my only complaint being new inquiry reporting notices are very slow. Sometimes taking a few plus days to get notifications. Credit karma and creditwise have been super fast though....within minutes.

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That's a good question if the myfico subscription will still work if your credit reports are frozen.  I can say that it will not work if you are trying to pull your 3B reports with myfico for the one-time request option.  I found this out the hard way last week.  CCT still allows your reports to be pulled even with the freeze so I incorrectly assumed myfico would be the same.  I tried to order my 3B through myfico and was prompted to call in to verify my identity.  I called myfico and successfully authenticated myself.  The CSR then told me that I would have to unthaw my reports to be able to pull them through myfico.  It wasn't worth the cost to me of thawing and re-freezing all three reports so I just dropped it. 

[Anonymous]

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@Anonymous wrote:

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@rmm140 wrote:

Great question! I was just trying to find something too!

Also, will myfico subscription still work if I freeze my credit reports? I just did this, with the exception of TU as I have an open dispute, and Wanted to be sure. I like myfico so far with my only complaint being new inquiry reporting notices are very slow. Sometimes taking a few plus days to get notifications. Credit karma and creditwise have been super fast though....within minutes.

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That's a good question if the myfico subscription will still work if your credit reports are frozen.  I can say that it will not work if you are trying to pull your 3B reports with myfico for the one-time request option.  I found this out the hard way last week.  CCT still allows your reports to be pulled even with the freeze so I incorrectly assumed myfico would be the same.  I tried to order my 3B through myfico and was prompted to call in to verify my identity.  I called myfico and successfully authenticated myself.  The CSR then told me that I would have to unthaw my reports to be able to pull them through myfico.  It wasn't worth the cost to me of thawing and re-freezing all three reports so I just dropped it. 

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I just kind of answered my own question. I was paying the $29.95 a mos for the ultimate service and just found the link in another thread offering the premier for the same price but it updates all scores once a month vs quarterly! Big bonus IMO! Anyway, I had to cancel my ultimate and sign up for the premier and it gave me an authentication error so I needed to call. I currently have my EQ and EX bureaus frozen. I had to unfreeze my EX only for it to update and pull all the info. So, apparently, EQ still allows it to pull when frozen. I can't say what TU would do as I don't have this one frozen due to an active dispute. Hope this helps!

Also, just as a praise to myfico, they refunded the partial month from the ultimate cancellation since I was signing up for the premier! Very happy about this! 

[Anonymous]

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@Anonymous wrote:

Is there a source where one can obtain all of their FICO scores like the ones available with a monthly membership from myFICO without an actual monthly membership?

Something similar to CCT is what I had in mind, except instead of just your 3 FICO 08 scores you'd get all 28 FICO scores like what myFICO provides.  Or, can you sign up for a myFICO membership to get all of your scores and cancel after 1 month?  What would that cost for all your scores, $20 or $30?  

I only really track my FICO 08's currently, but would like to see ALL of my FICO scores once just to know how they all compare relative to my FICO 08's.  I don't really care to track all of them all the time like I do my 08's, though. 

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Hi BBS.  That's part of my own personal credit monitoring solution.  I sign up for the myFICO Ultimate, grab my reports and my zillion scores, print and save everything, and then cancel a week later.  I do that once every 18 months on average.  So that piece costs me $30 a pop or an average of $20 per year.  In the prep for that I get my reports as optimized as I can.

Then after that I just monitor my scores through my credit cards.  So many cards offer free FICO scores now.  I have EX through Amex, TU through BOA, and EQ through Citi.  The fact that Citi gives me a Bankcard Enhanced rather than a Classic doesn't bother me.  I was a tiny bit worried about it for a while but then Thomas Thumb did some research to convince me that the BE score tracks very closely to the Classic at levels below 780.  So lenders therefore don't have a much higher cutoff for the BE score than they do the Classic -- the 900 ceiling for the BE doesn't make lenders do anything different.

I also have free services like Credit Karma and Credit.com in my back pocket (all three Vantage scores plus lots of free EQ and TU reports) along with a free monthly report from Experian.  I like to time my 18 month myFICO pull to be precisely on the same day and time that I pull all my free Vantage scores -- gives another nice point of comparison.  Karma also gives me a free Auto Insurance score too, which is nice.

My approach costs me $20 a year and gets me a lot.

[HeavenOhio]

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@Anonymous wrote:
Karma also gives me a free Auto Insurance score too, which is nice.

How do you find this? I've poked around without success.

[Anonymous]

First you log on to Credit Karma.  Then click on this link:

https://www.creditkarma.com/myfinances/scores/insurance

By default it takes you to the Auto Insurance score, though there is a tab there you can click on to get your Home Insurance score.

I can't find the ranges on Karma's site for how to interpret what constututes a Very Good, Good, Fair, etc, score.  Thomas Thumb purchased his official score in late 2015 and got this.  (See below.)  The key thing to observe is that an 823 score in the breakdown below is a BAD score.  Thus be very careful at not confusing FICO 8 scores and their ranges with this score. 

Bear in mind too that the scoring system used by the auto insurance industry, while it is based solely on the data from your credit report, and while it share many of the same factors as does FICO, there are ways its factors are different too.

Listed below is an approximate rating breakdown by category [score range 150 to 950].

TU Auto insurance score .... Category Rating

895 and above .........................Very Good

860 to 894 ............................... Good

825 to 859 ................................ Fair

760 to 824 ................................ Poor

759 and below .......................... Very Poor

[HeavenOhio]

Thanks. That worked!

[Thomas_Thumb]

CGID -

With that CK link - linkhttps://www.creditkarma.com/myfinances/scores/insurance you can get both Auto and Home/Property credit based insurance scores - along with historical trends.The table you show was based on CK's rating of scores. The "official one" - direct from TU categorizes ratings a bit different but, not much. Of course, all that really matters is how the insurance companies categorize scores to set premiums.