@niloca wrote:
Hi, thanks for all the financial education I got from this forum, you guys are great!
I know how to get a free annual credit report from all 3 agencies, but want to know how to obtain a FICO score.
The services offered here are far more than my humble budget and business needs, yet I didn't see aplin FICO score offer.
I want to know weather I am in the 600's, 700's or 800's (I'd wish, right?), and if recent negative activity has affected my score.
None of the scores offered when ordering through annualcreditreport.com are FICO scores. They're FAKOs.
You're limited on the places to get your FICO score.
You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).
You can only buy your TU FICO from myFICO or your lender.
Finally, you can only buy your EX FICO from your lender or myFICO.
Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.
