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What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

Established Member

What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

Hello everyone! I am looking to know what my FICO V5 Score is and tried searching forum for answer but came up with nothing. I am curious what credit union, credit card, monitoring service, etc. that provides FICO 5 score monthly or whenever for free. Does anyone know who has this? I heard DCU does, but I am not a member of that credit union. Thank you!

Message 1 of 17
16 REPLIES 16
Valued Contributor

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

DCU and PSECU


|

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
1-1-17 -
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL
Message 2 of 17
Valued Contributor

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)


@jpmanciniii wrote:

Hello everyone! I am looking to know what my FICO V5 Score is and tried searching forum for answer but came up with nothing. I am curious what credit union, credit card, monitoring service, etc. that provides FICO 5 score monthly or whenever for free. Does anyone know who has this? I heard DCU does, but I am not a member of that credit union. Thank you!


DCU is the only one I know of. Perhaps someone else will be able to help you find another source. It wasn't a HP to join DCU, so there is that, plus they have a really good savings account where the first 1k earns 6% interest!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 1•21 | EQ [F8 620] [F9 600] [EQ5 668] [VS3 651] | TU [F8 598] [F9 569] [TU4 605] [VS3 595] | EX [F8 587] [F9 553] [EX2 619] [VS3 589]
Goal Score: 680


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 12•20 | EQ [F8 635] [F9 540] [EQ5 599] [VS3 631] | TU [F8 635] [F9 587] [TU4 608] [VS3 667] [VS4 638] | EX [F8 654] [F9 628] [EX2 634] [VS3 680]
Goal Score: 680


Take the myFICO Fitness Challenge



Message 3 of 17
Established Member

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

Do you get access to FICO 5 with just a regular checking account? Or do you have to open a loan account up?

Message 4 of 17
Established Member

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

Can you answer message above as well? Thank you!

Message 5 of 17
Valued Contributor

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)


@jpmanciniii wrote:

Do you get access to FICO 5 with just a regular checking account? Or do you have to open a loan account up?


My SO only has the checking/savings and has no credit products with them. You may be able to getting with the bare savings account.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 1•21 | EQ [F8 620] [F9 600] [EQ5 668] [VS3 651] | TU [F8 598] [F9 569] [TU4 605] [VS3 595] | EX [F8 587] [F9 553] [EX2 619] [VS3 589]
Goal Score: 680


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 12•20 | EQ [F8 635] [F9 540] [EQ5 599] [VS3 631] | TU [F8 635] [F9 587] [TU4 608] [VS3 667] [VS4 638] | EX [F8 654] [F9 628] [EX2 634] [VS3 680]
Goal Score: 680


Take the myFICO Fitness Challenge



Message 6 of 17
Established Member

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

What is SO? And which one do you have? DCU or PSECU?

Message 7 of 17
Moderator

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)


@jpmanciniii wrote:

What is SO? And which one do you have? DCU or PSECU?


SO = Significant Other 

 

https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Message 8 of 17
Super Contributor

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

Just curious, why the interest in obtaining a Fico 5 score source specifically?

Message 9 of 17
Regular Contributor

Re: What free service provides FICO 5 Score (Credit Monitoring, Banks, Cards, Credit Union, Etc)

DCU savings account will give you a Equifax Fico 5. if you have extra $$ you can park it there.

Message 10 of 17
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