19 and trying to understand my credit score.

[HeavenOhio]

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@Anonymous wrote:

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@Anonymous wrote:

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If our OP signs up at creditscorecard.com (the Discover scorecard -- FICO only and no report) then he becomes ineligible for creditscore.com, which gives him both his report and score.  I'd lean toward the latter since it gives him more, but curious to hear what others think.

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Really?  Is creditscore.com also a Discover product or just an Experian product?  I have been part of creditscorecard.com for a while now, but never attempted to sign up for creditscore.com. 

So, is creditscorecard.com essentially irrelevant then, as you can get what they provide and more with creditscore.com?

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creditscorecard.com is a Discover product. It's available to everyone, not just Discover customers. It offers a free Experian score but little detail about what's in one's report. Discover customers can also get a TU score through their account.

creditscore.com is an Experian product that offers an Experian score and a full Experian report. freecreditscore.com, also from Experian, appears to do the same thing.

creditscore.com (Experian) doesn't necessarily make creditscorecard.com (Discover) irrelevant. If you staggar when you pull your scores from each of those services, you can have two Experian scores per month.

[Anonymous]

HO, unless I'm reading CGID's Post 8 wrong on the last page, it suggests that if you use creditscorecard.com you aren't able to use creditscore.com.  Perhaps I'm reading his post incorrectly, or is my understanding wrong?

[Anonymous]

I do not personally have either of these free products, so I can't say from experience.  What I have read on these discussion boards is more than one person who signs up for the Discover Scorecard (score only, no report), and then "discovers" (cymbal crash) that he is later rejected from subscribing to the service that gives both report and score.

The way I have heard one of the veterans here explain it is that both services are in a sense acting as a "front end" for Experian, and that EX won't let you sign up for multiple free scores.

I would be delighted to learn I am mistaken on this, however.  Delighted because I hate passing on misinformation, and because (more positively) it's just one more way we can help people get regular FICO 8 scores for free (staggered at different times).

Do we have....

(1) Anyone reading this who has both services, staggered at different times?

(2) Anyone reafing this who has neither service, and who would be willing to try signing up for the Score + Report, and then a week later try signing up for the Discover Scorecard (score only)?

I'd love to get a definite answer.

[rmduhon]

Just signed my mom up for creditscore.com, will try to remember to sign here up for the Discover one next week

[Anonymous]

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@rmduhon wrote:
Just signed my mom up for creditscore.com, will try to remember to sign here up for the Discover one next week

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Thanks so much!

[rmduhon]

You are welcome. I have the free Experion report (no score) and it does work with Discover scorecard.

[Anonymous]

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@rmduhon wrote:
You are welcome. I have the free Experion report (no score) and it does work with Discover scorecard.

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Yup.  I have heard that this DOES work.  Thus, when a person signs up for the Discover Scorecard (score only), there is still a THIRD free service that enables you to get a free monthly report (report only).

But it would be nice to know if one can get two FICO 8 scores per month.  If you really want to act in your mom's best interest, it might be best to sign her up for the Discover exactly two weeks later, rather than one week.  If it works, that may get her FICO 8 scores staggered in a nice way.

[rmduhon]

I was thinking of that. She gets her TU scores from her Discover,Lowe's, and Wal-Mart cards. And she has CK to keep an eye on her EQ reports. Not actively monitoring her scores, mostly just monitoring her utilization and making sure everything gets paid on time. Feels very odd to tell my mom to slow down or stop spending (rare occasion, she's very frugal).

[Anonymous]

I'll try signing up for creditscore.com in about 3 weeks.  Had this come up a week ago, it would have been an ideal time as I would have been at the mid-point of my monthly update with creditscorecard.com.  My creditscorecard.com refresh date is on the 21st of the month, so I'll want to shoot for the 7th to sign up for creditscore.com.

[rmduhon]

@BrutalBodyShots It'll be interesting to see if it works for you and not my mom (or vice versa) since we are going to be signing up differently (mom started with creditscore and you with creditscorecard). Curious if that will make a difference.