Access to scores & consistency of scores

[MoreRewards]

This is my very first post with a few questions

First I have the myfico $15 monthly Equifax report/score. Is there any way to get reasonably affordable reg report & scores for Ex & TU? I have the option to buy my report & score for like $20ea (believe there's some discounts but anyway) this is 1 time payment didn't see an option for monthly monitoring. Does such a thing exist?

Second I've used several free sites & I realize most everything out there isn't actual Fico score but I found it curious that Citicard free benefit Ex score is 719 while Sesame credit & Credit.com are both 744. Not sure how all 3 arrived at the numbers, why two are the same & there is a 25 point difference with citi. These must all be Fakos? Or is citi a legit score?

[kroberts67]

CS & CK are FAKO.  Depending on what you want, reports or scores...   I found the best deal for my reports is USAA for $22/mo for all 3 daily pulls.  I get SW $9.99/mo for EQ FICO alerts although I may quit that because now I get free monthly EQ FICO from DCU.  When my credit is pretty enough for the Discover, I want Walmart's card for the monthly TU FICO.  CS & CK are FAKO's but oddly enough, my CS score is ALWAYS exact to the T with my TU FICO score although they use EX. 

Call SW, ask them if they have any running specials.  They should offer you 9.99 instead of the 15.99 youre paying...  if its the Score Watch you're getting.  I dont know of any monthly score pkg with them.  You only get your score when there is a change.  Maybe you have something different. 

[rcolombe]

Not to change the subject, but you mentioned USAA providing daily pulls. I only see an option for 12.99 that offers pulls once a month. Am I missing an offer?

[MoreRewards]

My question is don't you have to be a USAA member have accounts w/ them? It looks like a really good deal.

I have myfico.com score watch sorry I'm still new to it but its $14.95 a month you get your report/ score at sign up (EQ) & can again 1x anytime & then 2xs annually thereafter I believe it said. It also does give you alerts in change in activity & when you reach your goal score.
It has an option to buy EX or TU report/score but I didn't know since it's 1x payment then it's a 1x deal. So you can't do 2 annual or get alerts on your score. If you want another report you have to pay that $20ea again every time?

[MoreRewards]

So your Fako CS Ex score is same as your actual FicoTU?
If that's true for me it'd be very interesting. I know CK is a Fako TU score & I always believed it to be lower than my real TU from what I know of my last actual Fico TU. I could be wrong but didn't see why I'd have such a drop so hoping I'm not.

When you sat SW are you saying the Score Watch available directly from EQ vs the myfico.com one I have?

I wish DS did that for all card members nice perk for walmart. My DS account has that score benefit shown but all the time I've had the account & try that option it saya the are not accepting anymore card members for enrollment. Boo!

[Anonymous]

USAA has recently changed their membership requirements.  They are no longer open to anyone.

Who is eligible?

• Active, retired and honorably separated officers and enlisted personnel of the U.S. military.
• Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
• Adult children whose eligible parents have or had a USAA auto or property insurance product.1
• Widows and widowers of USAA members who have or had a USAA auto or property insurance policy.