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Credit Scores

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Credit Scores

Are people paying the $40 here to get their credit scores monthly?  Or is there a better place. Credit Karma is free but doesn't show Experian. 

2 REPLIES 2
Valued Contributor

Re: Credit Scores

Credit Karma doesn't provide FICO scores, it gives Vantage 3 scores which are basically useless as lenders do not use them to make credit decisions (that's why it's free). Credit Karma is only good for monitoring TU & EQ report changes - scores could be ignored.

myFICO is a good service as it provides a total of 28 FICO score versions and that's why it's a bit costly.

If you are only interested in the FICO 8 version, there are cheaper monthly services avail such as Experian.com (Experian CreditWorks) or CreditCheckTotal.com.

You can also get monthly FICO scores from some card issuers - like Amex, Disco, or Citi - if you have accounts with them. If that is not an option, Discover offers your free EX FICO 8 monthly at https://www.discover.com/free-credit-score/ . You do not have to be a cardholder to use that service.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 07/01/2019: EX 741 ✦ EQ 727 ✦ TU 733
Current FICO 9s | 06/01/2019: EX 753 ✦ EQ 751 ✦ TU 732
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 780s


My AAOA: 2.7 years not incl. AU / 2.10 years incl. AU
My AoOA: 6.5 years not incl. AU / 8.5 years incl. AU
Report Status: Clean

Tending my Garden til 2/2021


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 3
Established Contributor

Re: Credit Scores


@nomadic_traveler wrote:

Are people paying the $40 here to get their credit scores monthly?  Or is there a better place. Credit Karma is free but doesn't show Experian. 


I would say most do not have their scores from here but that is just a guess though.  Credit Karma is free but it is providing Vantage scores, not your FICO scores.  They can be off as much as 100 points from your real FICO scores.

 

 FICO 8
Message 3 of 3
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