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Question about myFICO vs. Equifax

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Anonymous
Not applicable

Question about myFICO vs. Equifax

Hi, everyone. Smiley Happy

 

I pulled a 3-in-1 Credit Report via Equifax's Equifax Complete on 4/22 last month.   I also have it on Fraud Alert since I'm lucky enough (ha...) to be a Playstation Network account holder.  What would happen if I subscribed to myFICO's Score Watch this month?  Would it affect my credit in any way?

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llecs
Moderator Emeritus

Re: Question about myFICO vs. Equifax

Pulling your own credit via credit monitoring services, like SW or EQ's Credit Complete, or your own reports directly from the CRAs have zero impact on your FICO because it isn't a hard inquiry when the reports are pulled. BTW, the scores won't match since EQ's Credit Complete offers a FAKO and not a FICO. DW used that service at one point and it works great for monitoring on a monthly basis and then you get unlimited EQ pulls too. They just redesigned the service this month too and now costs $3 more per month than it did last month.

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