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Many places offer complimentary (free) FICO scores, e.g. Discover offers monthly free TU FICO 8, creditscore.com offers monthly free EX FICO 8, etc. I'm wondering, in your experience, which sources are most up-to-date for each of the 3 credit bureaus?
For example, for Experian: I had 3 HPs 2 weeks ago:
So my conclusion is that for Experian, creditscore.com seems to be the most up-to-date free FICO 8 score reporting service.
Which ones are, in your experience most up-to-date, expecially for the remaining 2 bureaus, TU & EQ?
DISCLAIMER: I realize for complete real-time info & when making big purchases (house / car / etc.), it's always best to purchase your FICO score report directly from Fair, Isaac, and Company, I'm just trying to get the most up-to-date free sources for everyday monitoring. Thank you!
Pure FICO services? Those would be paid honestly.
EX is the only one who offers a freebie FICO score and monitoring directly to my knowledge and creditscorecard is EX; for EQ/TU I wind up with CK and Wallethub for notifications but admittedly Vantage score is wtfever.
Also Cap 1 is VS Transunion, I am not sure I have seen an alert from them of any sort other than the occasional email to check out my score.
Most of the free FICO's are pulled once a month or sometimes once every few months, and then provided under the FICO Open Access policy (basically if you pull a score for a customer on an Account Review you can give it to them for free) and those are explicitly not monitoring solutions for what we probably want as consumers trying to track small changes.
For me they mostly do OK as more than once a month I don't really need personally, but when I'm trying to do some data analysis around say number of revolvers with balances, that makes it hard and very slow in my case.