What you probably want is the 1B Essentials for Equifax on the $20/month plan and then cancel when done.
We don't know what version of FICO your solar company pulled (on your score sheet does it give any additional information like the range which can sometimes identify the particular score used?) but the Equifax 1B Essentials gives you the full score sheet once a month, and then FICO 8 monitoring during it. Problem there is if the lender isn't using FICO 8, the monitoring score itself won't be of much value but it'll at least let you know when your reported payments hit.
If you know the version they used, might be able to sort it out more cheaply.
@Anonymous wrote:Thanks.
On the deny letter they sent they stated we had a 647 Equifax score but needed a 650. This was nearly 4 weeks ago now.
Capital One Credit Tracker states a 609 currently.
Barclay's FICO staes a 624 currently.
We paid down our debt quite a bit last week with a tax refund from 90'ish% to about a 45%. Hoping to see some score increases and see if the pull from the solar company did any damage. Trying to hurry the increase along, but don't want to reapply until we are sure score is above a 650.
I was hoping one of the myfico products will allow me to see the daily changes for the next few months. They aren't super clear on how often we can see changes.
Was there any other information along with the score, like the score range? There's literally dozens of different scores.
Really in your shoes, I'd pay down the revolving utilization as you're doing, and then just do a one time check when you're ready for $20 and see where you're at. You can use Credit Karma to see if the payments have hit your Equifax report, that allows you weekly access.
@Anonymous wrote:Oddly, I tried registering with Credit Karma and they said they couldn't find our folder and that it may be 'thin'. It's definately not thin, but not sure where went wrong!
Did it not require a SSN these days? You probably should just go pull your credit reports from annualcreditreports.com and see what's really there at this point if you haven't done so already.
@Anonymous wrote:
Curiosity got the best of me and I purchased the $20/mo product which uses Equifax. They have me at a 642. The utilization is still at 88% so the 2 paid off cards are kit showing yet. They close on the 8th and 13th. I also signed up for alerts to a score change. So now I have 3 scores:
Myfico 642
Barclay Fico 624
Capital One 609
Who to believe and who is fake?
myFICO is the only one offering an EQ FICO score there at all. If you got the $20 product, did you get the rest of the scores as well? Should be there under FICO Score Versions when you click on the report.
Barclays is TU and your solar company doesn't use that. Capital one is Vantage 3.0 (least if you're using the new version), and your solar company doesn't use that either. Neither of those do you a lick of good as a result.
I don't think reaching 650 is going to be that difficult for you honestly once your debt is paid down.