FICO Scores: Where and How to Get Them?

[Anonymous]

Okay, so you can get your true EQ FICO score from here (BEACON® 5.0).  You can also get your true TU FICO score from here (EMPIRICA® 98 or TU98).

The only way to get your EX FICO score is through PSECU, or a lender or creditor.  The same can be said for the TU04 FICO score.

How do you go about learning your FICO score from your lender or creditor?  I would assume they would obviously have to pull from that CRA in the first place, however, do you simply say you would like to know what it is?  For instance, if I apply for an Amazon.com Rewards Visa Card (Chase), or a Blue Cash Everyday Card (AMEX), whether I'm approved or not, if I see a hard hit for example on my EX report, could I simply call the CCC and request my EX FICO score?

I don't have much knowledge in this area, so I would like to get a better understanding.

[pizzadude]

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@Anonymous wrote:

Okay, so you can get your true EQ FICO score from here (BEACON® 5.0).  You can also get your true TU FICO score from here (EMPIRICA® 98 or TU98).

The only way to get your EX FICO score is through PSECU, or a lender or creditor.  The same can be said for the TU04 FICO score.

How do you go about learning your FICO score from your lender or creditor?  I would assume they would obviously have to pull from that CRA in the first place, however, do you simply say you would like to know what it is?  For instance, if I apply for an Amazon.com Rewards Visa Card (Chase), or a Blue Cash Everyday Card (AMEX), whether I'm approved or not, if I see a hard hit for example on my EX report, could I simply call the CCC and request my EX FICO score?

I don't have much knowledge in this area, so I would like to get a better understanding.

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Yep, that's pretty much how it works.   But creditors do not always pull a score, sometimes they only pull a report.   Or they may disregard your FICO score and use their own proprietary in~house scoring system.     Some of their policies may not allow your FICO score to be disclosed, so YMMV.

The only time that a creditor is required to give you a score is when you have been either denied credit or given less favorable terms.   But even then it may not be a FICO score.

[Anonymous]

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@pizzadude wrote:

Yep, that's pretty much how it works.   But creditors do not always pull a score, sometimes they only pull a report.   Or they may disregard your FICO score and use their own proprietary in~house scoring system.     Some of their policies may not allow your FICO score to be disclosed, so YMMV.

The only time that a creditor is required to give you a score is when you have been either denied credit or given less favorable terms.   But even then it may not be a FICO score.

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Thanks for the reply.

So basically you can just call customer service and see if they did use your actual FICO score in their decision, and if so, simply ask to know what it was?

[pizzadude]

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@Anonymous wrote:

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Thanks for the reply.

So basically you can just call customer service and see if they did use your actual FICO score in their decision, and if so, simply ask to know what it was?

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Yes, that would work.   But be aware that most CSRs are not credit savvy and probably won't know a FICO from a FAKO, or they might not be able to provide you with the information.   YMMV.