Where can I check my actual FICO scores?

[jdbkiang]

The other day, while applying for a card, I found out my Experian score was 670~. Is there a website I can check this actual score on? On CK, my TU is 740~. 

Also, as a side note, where can I get an installment loan to improve my score? I currently only have CC's. 

[Anonymous]

You can get your FICO score from freecreditscore.com. No credit card is required for this. You can also get Experian credit report from here.

The other option is Discover Credit Score Card. Just register here to get your official FICO score.

Check this section too - https://ficoscore.com/where-to-get-fico-scores/

[Anonymous]

OP, CK does not provide FICO scores.  They are of the VS 3.0 model and these scores should be ignored as they aren't meaningful.

For your EX FICO 8 score you can go to creditscorecard.com or creditscore.com.

If you'd like all 3 of your FICO 8 scores, you can get them for $1 at creditchecktotal.com.

[SouthJamaica]

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@jdbkiang wrote:

The other day, while applying for a card, I found out my Experian score was 670~. Is there a website I can check this actual score on? On CK, my TU is 740~. 

Also, as a side note, where can I get an installment loan to improve my score? I currently only have CC's. 

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For a full set of your FICO scores, including all scoring models, the only place I know of is right here on MyFICO.com but it's pretty expensive.

[jdbkiang]

So I used CCT and Discover's Credit ScoreCard. According to these websites, along with the Wells Fargo and Amex Mobile app, my FICO score is around 734 with EXP and 750 with TU and EQ. Does the Amex app actually tell me my real FICO or is just a coincidence that they're the same score. If so, what banks in CA will pull from TU/EQ instead of EX?

[Anonymous]

Amex provides you with a monthly EX FICO 8 score.  This score will exactly match your CCT EX FICO 8 score if it is pulled at the same time.

[Anonymous]

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@Anonymous wrote:

Amex provides you with a monthly EX FICO 8 score.  This score will exactly match your CCT EX FICO 8 score if it is pulled at the same time.

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Indeed.  EX has been the easiest bureau for which to get a free FICO 8 score for some time now.  There is creditscore.com (score plus report), Discover Scorecard (score alone but a pretty dashboard too), Amex cards (which lots of people have now), and probably some more obscure ones too (Chase Slate card, etc.).

TU is probably the next easiest with the tons of different cards that give free FICO 8 scores (Barclays, Discover, Walmart, Bank of America, etc.).

EQ is the hardest.  Citi gives free FICO 8 Bankcard Enhanced, but a free FICO 8 Classic is much harder to get.  SouthJ found a credit union that gives you one though.   (Was it Langley, maybe?)

[jdbkiang]

Ah, I see. Thanks for the advice. Does the Wells Fargo app pull a real FICO score as well? If so, which one?

Also, what banks will use TU or EQ when I apply for a credit card in CA?

[Anonymous]

Looking back at your original post, it looks like you have no open loans and wanted to explore getting one to improve your score.  Is that right?

If so, the two best options we know of now are an unsecured loan with Alliant (prior membership for six months required) or the Navy Fed Share Secured Loan (big loan required to get the full 60 month term).

You can read all about this scoring trick at the Share Secured Loan Technique thread -- first two posts is all you need.  You'll see that Alliant no longer offers SSLs but their unsecured loan should work the same.  Navy is a better option if you can get in.

[jdbkiang]

Yes! Thank you for that, I’ve been looking for something like that. Is the Navy Federal the only credit union that has shared secure loans? And if I apply for the Alliant loan, which CB do they pull? Cause my EX is at 18 inquiries while EQ and TU are a more reasonable 10 and 5, respectively.