Is there a place to see your credit score history?

[hankejp]

I am curious if there is some place where I could find my credit score history.  I think it would be interesting to see a history of my credit score from when I first got a credit score to today.

Thanks

Joe

[Anonymous]

When did you first get credit?  If it was seven years ago or less, we'll have an easy solution.

[Anonymous]

PS.  I note on second reading that you'd like a history of a credit score (some particular model and bureau) over time.  Many third-party providers of such scores (myFICO, Credit Check Total, Credit Karma, the free score that might be a provided by a particular credit card, etc.) will do this, but they typically only strech back in time to when you first started using their credit monitoring product.

I do not know of a tool that you could purchase for the first time and it would track what your scores had been for years in the past.  None probably exists, since the tool would have to pull past reports and feed them into its score generator.

[hankejp]

Thanks.  I've had credit for probably 25 years now.  I've noticed that on the different apps they only go back from when you started using their product as well.

Bummer.  I think it would be a cool thing to see.

Thanks

Joe

[Anonymous]

I would love to see this as a feature as well. Luckily I signed up for Credit Karma early but I think being able to see old scores and items that have since fallen off would be helpful.

[Anonymous]

A credit score is only a moment in time snapshot and it's a snapshot of the current time.  There's no way that I know of to run a score using an old report; the only report you can use for a score is what it is currently.

[Revelate]

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@Anonymous wrote:

A credit score is only a moment in time snapshot and it's a snapshot of the current time.  There's no way that I know of to run a score using an old report; the only report you can use for a score is what it is currently.

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Interesting, I never really thought about this before; however...

Lenders do sometimes just store reports, or at least report data.  Storage is cheap (now anyway).

Lenders do have their own scoring algorithms.

They could in theory run a score analysis and look for trends over time on old data... or more likely just capture some subset (like score and reason codes) dump the report, and just store that as a much smaller dataset.

Hrm. 

[Anonymous]

Yeah lenders certainly can do that.  That's sort of been mentioned above, where someone who has an account with X lender that gets a credit score provided monthly for a period of years will have those years of data (scores) stored.  We also know that lenders with which we don't have accounts with are constantly hitting us with SPs to see our reports, so they could certainly have that history stored as well.

My impression from the OP was that he was looking for a way to see what his credit scores were a long time ago at times he didn't know them (say 5 years, 10 years, 15 years, etc) and my understanding from a consumer perspective is that this isn't possible.  One would have to somehow be able to take an old archived report (say from 10 years ago) and run it through a scoring model today to generate what the score would have been at that point 10 years ago.  It would be cool if that could be accomplished, but I don't believe that it can.