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Equifax score

Regular Contributor

Equifax score

Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....

Got rid of Capital One QS1 card out of my wallet on Christmas.. woohoo!!!


Citi Diamond limit 7300 (received May 2016)
Lowe's limit 17000 (received Feb 2015)
Chase 3000(received June 2017)
Bank of America 9500(received July 2017)
Simmons First 8000(received Sept 2017)
Capital One Quicksilver 2750(received orginal QS1 in Aug 2014 and Platinum in June 2017, converted Dec 2017)
Amex 500, Discover 2000
Citi Double Cash 1500 (AU)
Capital one Quicksilver 1100 (AU)

Wells Fargo 2500 (AU)
Discover 1000 (AU), Amex 2000 (AU) As of 12/17 BofA says FICO TU 689....
Capital One credit wise VS TU 12/19/17 says 631
Chase VS TU 631 as of 12/19/17, as of January 643
Citi Equifax 648 as 11/21/17, as of December 662
Lowe's TU 684 as of 12/07/17, January 689
Experian 703 as of 12/13/17

Discover free credit scorecard Experian 706 as of 12/17/17...... Transunion shows I have 2 inquiries.
Equifax 6
Experian 4



Chase, Capital One, and BofA falling off June 2019
Simmons falls off Sept 2019

JANUARY 13 CREDIT CHECK TOTAL ... EXPERIAN 684...TRANSUNION 690... EQUIFAX 669

In NOVEMBER EXPERIAN 687, TRANSUNION 685, EQUIFAX 652



No collections or charge offs leins of any kind.... I only have a 120d late from October/November 2011........

I have 1 mortgage at est. about 68k.
I have 1 car note est. about 12k.

More info to come asap.....



I hope to get on the penfed train by late next year.


Plan to be In the garden till December 2019.


I will try later to figure out how to get my spreadsheet uploaded as a pic on here so this is not so jumbled.....
Message 1 of 12
11 REPLIES
Established Contributor

Re: Equifax score

An app for iphone I have called "lenny" does this. Free EQ fico once per month. They operate in Cali I believe. Even with no account with them I get an updated fico on 15th of month. If no iphone see if they create an app for other phones.
Message 2 of 12
Senior Contributor

Re: Equifax score

Lemmy discontinued the free EQ score this month.  Unless you have an open credit line with them.

 

Fingerhut offers free monthly EQ with their rebuilder store card.  You can get it using the SCT method (no hard inquiry, usually!).

Message 3 of 12
Contributor

Re: Equifax score

Citi does also
Message 4 of 12
Frequent Contributor

Re: Equifax score

Hmm, Citi does Equifax.  Interesting, cuz MyFICO has my Equifax score at 735, Citi has it at 746.  Which is it?  Those are both updated scores SUPPOSEDLY.  MyFICO TU is 758 and EXP 797?  What gives with EQ?


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 12/08/2017 TU 757 EQ 734 EXP 798
FICO 8 03/16/2018 TU 755 EQ 757 EXP 794
Message 5 of 12
Senior Contributor

Re: Equifax score

CITI's EQ isn't FICO8 but another flavor of FICO.

 

From Citi's website: https://www.cardbenefits.citi.com/Products/FICO-Score

 

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.

Message 6 of 12
Frequent Contributor

Re: Equifax score

Oh OK, still confusing, but OK.


FICO 8 09/21/2016 TU 715, EQ 727, EXP 711
FICO 8 12/14/2016 TU 717, EQ 730, EXP 713
FICO 8 03/17/2017 TU 721, EQ 730, EXP 733
FICO 8 12/08/2017 TU 757 EQ 734 EXP 798
FICO 8 03/16/2018 TU 755 EQ 757 EXP 794
Message 7 of 12
Senior Contributor

Re: Equifax score

It's like comparing the SAT to the ACT -- both measure the same thing but differently and are used by different groups for basically the same reason.

 

Read: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-version...

Message 8 of 12
Super Contributor

Re: Equifax score


Tryin2betterscore2 wrote:
Where can we find the real Equifax score for free except for credit check total? I am tired of getting the free trial for a week then hassling to call to cancel....

No need to torture yourself with a phone call to cancel.  Cancel via email using help at credit check total dot com.  I start my $1 trial and send a cancellation email later in the day or the following day at most.  They usually send an email confirmation back in 2-3 days saying that they got my email and are cancelling it.  If not, I send another email on Day 4 or Day 5 of the trial.  I've cancelled many a $1 trial with emails. 

Message 9 of 12
Regular Contributor

Re: Equifax score

@BBS. .... thanks I might try that next time. What information do you put in the email ? so that I know I have it worded right.


Got rid of Capital One QS1 card out of my wallet on Christmas.. woohoo!!!


Citi Diamond limit 7300 (received May 2016)
Lowe's limit 17000 (received Feb 2015)
Chase 3000(received June 2017)
Bank of America 9500(received July 2017)
Simmons First 8000(received Sept 2017)
Capital One Quicksilver 2750(received orginal QS1 in Aug 2014 and Platinum in June 2017, converted Dec 2017)
Amex 500, Discover 2000
Citi Double Cash 1500 (AU)
Capital one Quicksilver 1100 (AU)

Wells Fargo 2500 (AU)
Discover 1000 (AU), Amex 2000 (AU) As of 12/17 BofA says FICO TU 689....
Capital One credit wise VS TU 12/19/17 says 631
Chase VS TU 631 as of 12/19/17, as of January 643
Citi Equifax 648 as 11/21/17, as of December 662
Lowe's TU 684 as of 12/07/17, January 689
Experian 703 as of 12/13/17

Discover free credit scorecard Experian 706 as of 12/17/17...... Transunion shows I have 2 inquiries.
Equifax 6
Experian 4



Chase, Capital One, and BofA falling off June 2019
Simmons falls off Sept 2019

JANUARY 13 CREDIT CHECK TOTAL ... EXPERIAN 684...TRANSUNION 690... EQUIFAX 669

In NOVEMBER EXPERIAN 687, TRANSUNION 685, EQUIFAX 652



No collections or charge offs leins of any kind.... I only have a 120d late from October/November 2011........

I have 1 mortgage at est. about 68k.
I have 1 car note est. about 12k.

More info to come asap.....



I hope to get on the penfed train by late next year.


Plan to be In the garden till December 2019.


I will try later to figure out how to get my spreadsheet uploaded as a pic on here so this is not so jumbled.....
Message 10 of 12