Author Topic: Free FICO Credit Score Sites? (Read 5342 times)

ae123 · « **on:** May 05, 2012, 10:16:41 PM »

Are there any free FICO credit score sites, not FACO or FAKO?
I mean totally free, not having to cancel after a certain amount of days.

JEWDA · « **Reply #1 on:** May 05, 2012, 10:39:17 PM »

HelpMe · « **Reply #2 on:** May 05, 2012, 10:40:44 PM »

Quote from: JEWDA on May 05, 2012, 10:39:17 PM

NO

What about CU's (credit unions) that give free FICO scores as a benefit when you join?

AsherO · « **Reply #3 on:** May 06, 2012, 03:05:05 AM »

Quote from: HelpMe on May 05, 2012, 10:40:44 PM

CU's (credit unions) that give free FICO scores as a benefit when you join?

Linky please?

HelpMe · « **Reply #4 on:** May 06, 2012, 04:59:23 AM »

Quote from: AsherO on May 06, 2012, 03:05:05 AM

Linky please?

IIRC DCU is EQ FICO.
http://www.dcu.org/electronic_services/FICO.html

IF you have a Walmart CC you can also get a TU FICO score, again IIRC.

Congratulations! You are already eligible to receive your monthly updated FICO® Score. This service is for WalMart credit cardholders who receive their statements electronically. Simply visit the online account management site. While there, choose to receive your FICO® Score and you can see your FICO® Score each time you log in to your account. It's convenient, secure and free...easy to manage your account AND keep tabs on your credit score.

• See your updated FICO® Score each month
• Understand what is helping and hurting your FICO® Score
• Take advantage of free education about establishing and keeping good credit
• Track the progress of your FICO® Score history for up to 12 months

AsherO · « **Reply #5 on:** May 06, 2012, 05:32:08 AM »

Quote from: HelpMe on May 06, 2012, 04:59:23 AM

IIRC DCU is EQ FICO.
http://www.dcu.org/electronic_services/FICO.html

IF you have a Walmart CC you can also get a TU FICO score, again IIRC.

Gracias. I don't think the WM CC is worth a pull, do you know if DCU (hard) pulls credit?

ETA:

DCU link reads:

Quote

By signing up to receive your FREE credit score in PC Branch you'll be able to monitor your credit score, receive two reasons why your credit score is not higher, and learn how to take positive steps towards improving your score. Other services such as this may cost you more than $165* annually. Through DCU you can receive your Equifax FICO Credit Score via Message Center once a month FREE as part of your Checking Plus or Relationship Checking benefits.

It also seems "Checking Plus" and "Relationship Checking" have monthly fees, please CMIIW.

HelpMe · « **Reply #6 on:** May 06, 2012, 08:56:39 AM »

No fees but for (FICO score) Checking Plus you have to do two of the following and all three for Relationship Checking.
1.Direct deposit your net pay, Social Security, or pension to your checking account
2.Receive all your DCU statements electronically
3.Have an active loan with DCU (such as a DCU Visa Credit Card)

normallyavoyeur · « **Reply #7 on:** May 06, 2012, 09:32:44 PM »

creditsesame.com will give you a monthly updated score from Experian for free.

HelpMe · « **Reply #8 on:** May 06, 2012, 10:17:45 PM »

Quote from: normallyavoyeur on May 06, 2012, 09:32:44 PM

creditsesame.com will give you a monthly updated score from Experian for free.

It is not a FICO score.

ae123 · « **Reply #9 on:** May 07, 2012, 12:26:04 AM »

Quote from: HelpMe on May 06, 2012, 10:17:45 PM

It is not a FICO score.

Exactly, I'm trying to find free FICO score sites.

bades · « **Reply #10 on:** May 14, 2012, 10:36:30 AM »

Is it possible that my credit score has not changed in over 9 months? when i pay bills on time- and have taken out new CC. etc.??

AsherO · « **Reply #11 on:** May 14, 2012, 02:45:23 PM »

Quote from: bades on May 14, 2012, 10:36:30 AM

Is it possible that my credit score has not changed in over 9 months? when i pay bills on time- and have taken out new CC. etc.??

It's the same as it was 9 months ago, or it hasn't changed even once in 9 months?

It'll fluctuate (based on utilization and other factors), so the latter is definitely out of the question, but the former is possible.

KidOOO · « **Reply #12 on:** July 17, 2012, 04:32:11 PM »

How about any free trial for real FICO Score?

I already used the MyFico trial last year, any other ones?

HelpMe · « **Reply #13 on:** July 17, 2012, 05:04:40 PM »

Quote from: KidOOO on July 17, 2012, 04:32:11 PM

How about any free trial for real FICO Score?

I already used the MyFico trial last year, any other ones?

Make sure you cancel before 30 days.

https://www.credit.com/ufg/default/equifax

Centurion · « **Reply #14 on:** July 17, 2012, 05:10:51 PM »

may i ask why fico score would be needed for where the other 3 credit b wont work?

HelpMe · « **Reply #15 on:** July 17, 2012, 05:13:53 PM »

Quote from: Centurion on July 17, 2012, 05:10:51 PM

may i ask why fico score would be needed for where the other 3 credit b wont work?

FICO is/was the gold standard used by most lenders.

Centurion · « **Reply #16 on:** July 17, 2012, 05:47:06 PM »

i have bizz loans mortgage lines of credit and cc galore i never needed my fico

KidOOO · « **Reply #17 on:** July 17, 2012, 06:00:33 PM »

Quote from: HelpMe on July 17, 2012, 05:04:40 PM

Make sure you cancel before 30 days.

https://www.credit.com/ufg/default/equifax

Thanks,

it takes me to equifax, where i have placed an order for the free trial. how long does it take for the order to process?

HelpMe · « **Reply #18 on:** July 17, 2012, 06:00:45 PM »

Quote from: Centurion on July 17, 2012, 05:47:06 PM

i have bizz loans mortgage lines of credit and cc galore i never needed my fico

...then this thread would not be for you.

HelpMe · « **Reply #19 on:** July 17, 2012, 06:01:57 PM »

Quote from: KidOOO on July 17, 2012, 06:00:33 PM

Thanks,

it takes me to equifax, where i have placed an order for the free trial. how long does it take for the order to process?

In the past it always has been immediately.