Does discover give TransUnion or Experian score free?

[Subexistence]

I'm not really clear on which one it provides becuse the website has conflicting information.

2.What are FICO® Credit Scores?
It's a three-digit number that summarizes the positive and negative information on your Experian credit report. FICO® Scores are the most common credit scores used by lenders to quickly assess your credit risk, and it can influence everything from car loans to mortgages to credit cards.

FICO ® Score provided by Discover considers both positive and negative information in your TransUnion credit report. It's calculated by these 5 categories, the importance of any piece of information depends on the information in your entire credit report: payment history, amounts owed, length of credit history, new credit, and types of credit.

[Anonymous]

The score provided from your Discover account is a TU FICO 08 score, where the score obtained from the "creditscorecard" that Discover offers (even for non-members) provides a EX FICO 08 score.

[Subexistence]

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@Anonymous wrote:

The score provided from your Discover account is a TU FICO 08 score, where the score obtained from the "creditscorecard" that Discover offers (even for non-members) provides a EX FICO 08 score.

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Is there anyway to get Equifax08 free? Also what models of FICO do other banks offer?

[newhis]

You can find more information on credit cards forum. There are some posts with a list of all the free scores available.

I think some people are obsessed with scores. Sometimes Vantagae score goes down and FICO stay the same, sometimes FICO drop a little and Vantage go up. My goal is to be at certain level and just look at FICO scores, is too stressful for me to look at daily/weekly scores, once a month is enough for me.

Getting a free weekly report from TU/EQ via CK, free FICO from TU via Discover and free EX report and FICO score from FCS, is more than enough. I may not know EQ FICO but I can see if anything bad is reported to EQ thanks to CK. If I ever need the score I'll just pay $1 to CCT to get it.

[Thomas_Thumb]

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@Subexistence wrote:

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@Anonymous wrote:

The score provided from your Discover account is a TU FICO 08 score, where the score obtained from the "creditscorecard" that Discover offers (even for non-members) provides a EX FICO 08 score.

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Is there anyway to get Equifax08 free? Also what models of FICO do other banks offer?

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Not that I am aware of. However, I get a free EQ Fico 08 Bankcard enhanced score through my AT&T Universal card (which is managed by Citi). So, if you have a Citi Visa or Mastercard, you can get aan EQ Fico score - just not the Classic version.

[CreditDunce]

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@Subexistence wrote:

Is there anyway to get Equifax08 free? Also what models of FICO do other banks offer?

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EQ-08:

Andrews FCU - quarterly with CC.  .

Citizens aka Charter bank - Monthly with CC.

DuPont Community Credit Union (not sure of model)

Elements FCU - Monthly with checking or loan.  .

Fingerhut CC - Monthly.  Common card for rebuilders.

Huntington Voice CC - monthly - decent card if you are in their area

Lennys Credit App - monthly - but there is a cost to use Lenny

GE Credit Union - quarterly for CC holders

NC SECU - quarterly with loan or CC

I am sure I am missing several other eq-08 scores.  The ones in bold are available nationwide.  The others are geographically restricted.   If you are looking for your EQ-04 score (mortgage), there are several CU's that offer the score, including DCU.

You should be able to find the answer to you second question in this thread:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Where-to-obtain-FREE-monthly-FICO-scores/...

The ManWhoCan also keeps a chart of free FICO scores:

http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

ETA: Langley FCU also offers a monthly EQ-08 score.  $5 for anyone to join.  May be a HP to join.

[Anonymous]

Select Citi cards offers free Equifax.

[Anonymous]

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@Anonymous wrote:

Select Citi cards offers free Equifax.

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To my understanding it's not an 08 score though, rather a different model using Equifax data.  Perhaps bank card?

[Anonymous]

This is what Citi says:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account.  This model has a FICO® Score range from 250 through 900.

The FICO 8 Bankcard Score is designed to put more emphasis on your financial behaviors with credit cards.

http://www.myfico.com/credit-education/credit-score-versions/

[Anonymous]

I believe DCU provides monthly EQ-8 scores too their members also