Where to get accurate scores?

Anonymous · ‎09-20-2014

Can someone tell me where I can get accurate fico scores? I cancelled my monthly privacy guard because they were not accurate and it was a waste of money. Barclays free TU shows a score in the last 2 weeks of 656, but Cap1 TU just updated today and is saying 613 which can't be true in fact my score hasn't been that low since last year. My score actually should have gone up since I freed up utilization in the past 2 weeks CK says 686.

coldnmn · ‎09-20-2014

Barclay is a true TU Fico 08 score and Cap1 is a CreditKarma Fake score. CreditKarma doesn't figure in closed accounts when they generate a score. MyFico right here has true scores Fico 08 most creditors use Fico 04 for now.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

leegreen · ‎09-20-2014

Discover, walmart, and Barclays offer free Tu 08 fico's to customers. FNBO offers free ex 08 bank card enhanced fico's to customers. Duck offers a free eq 04 fico to checking account holders. There is a Pennsylvania cu that offers free ex fico's to customers although I am not sure which flavor.

As far as paid scores as cold stated my fico is the best source.

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k

leegreen · ‎09-20-2014

DCU not duck, iPhone autocorrect got me

06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k

Anonymous · ‎09-20-2014

So I can pretty much count of the Barclay free score for the closest accuracy?

Creditaddict · ‎09-20-2014

@Anonymous wrote:
So I can pretty much count of the Barclay free score for the closest accuracy?

for TU - yes.

If you are going to buy, you buy here at myfico.

Anonymous · ‎09-20-2014

Ok thanks everyone for your help.

longtimelurker · ‎09-20-2014

@Anonymous wrote:
Ok thanks everyone for your help.

Just be aware of all the different variations in FICO, so the score you purchase here (or anywhere) may not be the same as the one pulled by the lender

Anonymous · ‎09-20-2014

Will the softpulls show as well?

JLK93 · ‎09-20-2014

@leegreen wrote:
DCU not duck, iPhone autocorrect got me

Too bad. For a minute I thought we had a new source for FICO scores.