Author Topic: CreditKarma.com - Free Credit Score (FAKO) (Read 92856 times)

AsherO · « **Reply #120 on:** November 09, 2011, 02:12:19 AM »

Quote from: HelpMe on November 09, 2011, 02:07:57 AM

Remember that FICO has many different flavor of scores that are used. One for CC’s, auto loans and mortgages are just a few. Not all banks use FICO scores. Some have their own internal scores they go by.

[citation needed]

HelpMe · « **Reply #121 on:** November 09, 2011, 02:19:18 AM »

Quote from: AsherO on November 09, 2011, 02:12:19 AM

[citation needed]

This one time only!

Last time I linked to another forum it was deleted.
1) Google "Auto enhanced FICO score".
2) Was just approved for a Chase CC and my score was 945. That is not a FICO score but an internal score they use.

AsherO · « **Reply #122 on:** November 09, 2011, 02:26:26 AM »

Quote from: HelpMe on November 09, 2011, 02:19:18 AM

This one time only!

Last time I linked to another forum it was deleted.
1) Google "Auto enhanced FICO score".
2) Was just approved for a Chase CC and my score was 945. That is not a FICO score but an internal score they use.

Fair enough.

#2 confirms something I've always suspected.

bubbles · « **Reply #123 on:** November 09, 2011, 08:15:43 AM »

Quote from: HelpMe on November 09, 2011, 02:19:18 AM

2) Was just approved for a Chase CC and my score was 945. That is not a FICO score but an internal score they use.

Similar experience
On my letter it said "scoring system name: application score" and it was out of 990

moko · « **Reply #124 on:** November 09, 2011, 08:55:50 AM »

Quote from: AJK on November 09, 2011, 12:45:14 AM

I'm not aware of any other place to get a FICO (as opposed to FAKO).

I'm pretty sure citi id monitor gives u a real fico score for all 3 CR dor only a dollar for the 1st month

myb821 · « **Reply #125 on:** November 09, 2011, 09:03:01 AM »

Quote from: moko on November 09, 2011, 08:55:50 AM

I'm pretty sure citi id monitor gives u a real fico score for all 3 CR dor only a dollar for the 1st month

pretty sure ur wrong that is not in any way a fico score

HelpMe · « **Reply #126 on:** November 09, 2011, 09:18:04 AM »

Quote from: moko on November 09, 2011, 08:55:50 AM

I'm pretty sure citi id monitor gives u a real fico score for all 3 CR dor only a dollar for the 1st month

No way, No how. 100% FAKO!

AsherO · « **Reply #127 on:** November 09, 2011, 10:11:54 AM »

Quote from: HelpMe on November 09, 2011, 09:18:04 AM

No way, No how. 100% FAKO!

+100

Cbs · « **Reply #128 on:** November 09, 2011, 10:19:21 AM »

Quote from: Cbs on October 31, 2011, 03:47:52 PM

and no i dont only care about that score i just dont know of any free FICO "checker"

Quote from: AJK on October 31, 2011, 04:13:54 PM
Those do not come around all that often. I can only remember one in the last few years.
Quote from: AJK on November 09, 2011, 12:37:37 AM
You can get your FICO score from MyFICO for at least EQ and TU. Not sure about EX.

??

Quote from: lybbtthl on November 09, 2011, 12:36:07 AM

Is there anyway to find out your FICO from other CBs other than the one that myFICO gets it from (I forgot which one it is)

oh nice, now i got my own personal acronym

AJK · « **Reply #129 on:** November 09, 2011, 11:35:02 AM »

Quote from: HelpMe on November 09, 2011, 02:19:18 AM

2) Was just approved for a Chase CC and my score was 945. That is not a FICO score but an internal score they use.

Quote from: bubbles on November 09, 2011, 08:15:43 AM

Similar experience
On my letter it said "scoring system name: application score" and it was out of 990

I guess this means the score/report that Chase presumably sends you after being rejected is just their proprietary score...

Quote from: Cbs on November 09, 2011, 10:19:21 AM

??

??

scwam · « **Reply #130 on:** November 09, 2011, 06:06:47 PM »

AHH F>>K FICO with all this jibber-jabber! The only way you think you might have an accurarate FICO is to trust that Equifax gives you
the FICO directly from their sight that you hope is real as they claim $:-\$
That's as close to any actual scoring model you'll get from any bureau.

Cbs · « **Reply #131 on:** November 09, 2011, 06:22:10 PM »

Quote from: AJK on November 09, 2011, 11:35:02 AM

??

i was quoting my question and ur answer that u dont know where i can find my fico score and now you are saying that you know where u can see it.

AJK · « **Reply #132 on:** November 09, 2011, 06:28:46 PM »

Quote from: Cbs on November 09, 2011, 06:22:10 PM

i was quoting my question and ur answer that u dont know where i can find my fico score and now you are saying that you know where u can see it.

You're apparently confused. I was answering your question asking for a free "fico checker."

Again:

Quote from: Cbs on October 31, 2011, 03:47:52 PM

well thanx for explaining that. and no i dont only care about that score i just dont know of any free FICO "checker"

Quote from: AJK on October 31, 2011, 04:13:54 PM

Those do not come around all that often. I can only remember one in the last few years.

My answer stands notwithstanding your confusion.

Cbs · « **Reply #133 on:** November 09, 2011, 06:34:07 PM »

Quote from: AJK on November 09, 2011, 06:28:46 PM

You're apparently confused. I was answering your question asking for a free "fico checker."

Again:

My answer stands notwithstanding your confusion.

So what is this?
myfico has a free trial?

Quote from: lybbtthl on November 09, 2011, 12:38:18 AM

The free trial only gives you one?!

AJK · « **Reply #134 on:** November 09, 2011, 06:35:57 PM »

Quote from: scwam on November 09, 2011, 06:06:47 PM

AHH F>>K FICO with all this jibber-jabber! The only way you think you might have an accurarate FICO is to trust that Equifax gives you
the FICO directly from their sight that you hope is real as they claim $:-\$
That's as close to any actual scoring model you'll get from any bureau.

...says you.

AJK · « **Reply #135 on:** November 09, 2011, 06:37:09 PM »

Quote from: Cbs on November 09, 2011, 06:34:07 PM

So what is this?
myfico has a free trial?

I do recall them having a free trial, yes.

For the 3rd time:

Quote from: AJK on October 31, 2011, 04:13:54 PM

Those do not come around all that often. I can only remember one in the last few years.

Cbs · « **Reply #136 on:** November 09, 2011, 06:38:19 PM »

Quote from: AJK on November 09, 2011, 06:37:09 PM

I do recall them having a free trial, yes.

For the 3rd time:

ok....i rest my case!

HelpMe · « **Reply #137 on:** November 09, 2011, 06:49:09 PM »

Only a 10 day free trial so make sure you cancel.

https://www.myfico.com/Store/Cart.aspx

lybbtthl · « **Reply #138 on:** November 09, 2011, 06:53:27 PM »

also, they only let you do a free trial once every 2 years.

and you can't fool the system by using a different email address, since it uses your SSN to check!

HelpMe · « **Reply #139 on:** November 09, 2011, 06:58:03 PM »

Quote from: lybbtthl on November 09, 2011, 06:53:27 PM

also, they only let you do a free trial once every 2 years.

and you can't fool the system by using a different email address, since it uses your SSN to check!

There are affiliate sites that offer the free trial from MyFico and the 2 years does not apply.