EQ/ EX Score membership vs. FICO membership (Score Watch & Quarterly Monitoring)?

[yudeology101]

Hey guys,

I've been rebuilding my credit for the past two years, and have been paying $14.99 for EQ score subscription (from equifax.com) & recently started the subscription at EX (experian.com).   Well,  after doing some research and getting advice/tips from the forum here, i came to realize that those scores are FAKO? and that those scores don't really count or matter vs. to getting the scores from here.  I don't want to pay like $50+ every month to monitor my scores from all three (EQ/EX/FICO), so it is wise for me to cancel my membership from EQ/EX? 

[llecs]

Most of the services through Equifax.com offer FAKO scores, however there are a couple of services that do offer an EQ FICO only. IIRC, these are the Equifax-version of ScoreWatch and the 3-in-1 w/ 4 EQ FICO scores products. Others like Credit Complete, DebtWise, and a couple of others offer scores but they are FAKOs.

There are no FICO scores available on Experian.com. 

IMO, use these other CMSs to monitor your credit reports vs. scores.

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO (however, stay tuned...it might be available on myFICO once again).

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.

[yudeology101]

Wow, thank you for the info!  Learned something new again today~

[tonyjones]

I have another question how come MyFICO EQ FICO score is different from other EQ FICO SCORE?

e.g. 

Equifax (FICO) - 521 - Discover - 4/22/2013, pulled from Discover is different from the score I have on here (myFICO) which is 652

[CreditJunkie917]

It's possible discover used a different version of EQ. Here they use, if I'm not mistaken, Beacon 5.0...discover may be using a newer version.

[tonyjones]

It's seriously so confusing, everybody uses something different and the scores are off by so much.

[guiness56]

I am very certain that Discover uses a Bankcard enhanced FICO score.  Do they provide a score range?

[tonyjones]

Is it possible to get the Bankcard enhanced FICO score without a hardpull from Discover?

[guiness56]

No.  You can only get that through a creditor when you apply.

[tonyjones]

ok, how many different scoring models are their of EXPERIAN FICO SCORES? The BMW one that was pulled last year seems different from the one pulled recently from American Express