What's Your FICO Score?

[Emkay]

it tells you when it was last updated

so it seems like it updates when i get statements and i only get statements if there is activity.
is there another way other than there and barclays to get a  fico score?

[avromie7]

so it seems like it updates when i get statements and i only get statements if there is activity.
is there another way other than there and barclays to get a  fico score?

Check online if it updated

[eli.f]

does discover update my score even when there is no activity on the account?

IME, it does.

[Emkay]

Check online if it updated

IME, it does.

i did check, and it did not update

[eli.f]

i did check, and it did not update

When I said it does update, I meant that it updates even when there's no activity.
However, I've yet to figure out the frequency in which it updates.
It doesn't seem to have anything to do with the statement date.

I'll try checking the soft pulls on my TU. Maybe that will give me a clue.

[NYHeel]

i did check, and it did not update

It doesn't update frequently but it does update for my account even with no activity.

[caliheat]

Did multiple apps in last 15 days.
Every app says another score.
Example TU: barclay - 702, Chase - 724

[Emkay]

from myfico.com

"ONLY $4.95
  FIRST MONTH
A 3-month minimum is required. Only $4.95 for the first month and then auto-renews at $14.95 per month, unless you cancel."

is the 3 month minimum new? or can i still cancel after a month?

[eli.f]

from myfico.com

"ONLY $4.95
  FIRST MONTH
A 3-month minimum is required. Only $4.95 for the first month and then auto-renews at $14.95 per month, unless you cancel."

is the 3 month minimum new? or can i still cancel after a month?

I think it was always like that.
Can't cancel for 3 months.

You could use Citi's or BOFA's virtual CC number and cancel the card after first charge.

[coralsnake]

I think it was always like that.
Can't cancel for 3 months.

You could use Citi's or BOFA's virtual CC number and cancel the card after first charge.

The benefit of Virtual CC is that there's no need to cancel anything.

[eli.f]

Did multiple apps in last 15 days.
Every app says another score.
Example TU: barclay - 702, Chase - 724

Chase is probably EX and Barclay is probably TU.
Chase is probably NOT FICO.

[noturbizniss]

Chase is probably EX and Barclay is probably TU.
Chase is probably NOT FICO.

They use one of the other fico scores for cc

[eli.f]

They use one of the other fico scores for cc

It's not FICO. It's their own system.

[noturbizniss]

It's not FICO. It's their own system.

-1

My wife got declined for 1/2 chase ink cards and just got the letter today. IT says it's a FIco score, but the range is 250-900.  What's going on here?  Wikipedia says

http://www.nerdwallet.com/blog/tips/credit-score/fico-8-bankcard-score/

[eli.f]

-1
http://www.nerdwallet.com/blog/tips/credit-score/fico-8-bankcard-score/

Interesting. It seem your'e right. Most of their letters are FICO.
But on a recent app for someone, I received the following. I though that's what they use.

[caliheat]

Chase is probably EX and Barclay is probably TU.
Chase is probably NOT FICO.

Both sent letter with TU + FICO.
I've gotten many letters from Chase, always EX until this 1 letter stating TU

[eli.f]

Both sent letter with TU + FICO.
I've gotten many letters from Chase, always EX until this 1 letter stating TU

Interesting. I'm assuming you applied under an AZ address.

[caliheat]

Interesting. I'm assuming you applied under an AZ address.

Yes.
I found it odd as well getting a TU letter from chase after receiving 15 or so with EX.
FYI, this was for a BA recon.

[Boruch999]

I am at the end of my free ProtectMyID subscription courtesy of Target.  I have found them mostly redundant because of this , however I have found that they have one MAJOR benefit.

I have successfully removed pulls from my EX report easily by phone on 3 separate occasions.  One was for two pulls on the same day that for some reason didn't consolidate.  The other two were for pulls  on different days, as much as five days apart.

It will cost me $10/mo to renew for a year and I'm not sure it's worth it.  Is anyone aware of a cheaper way to do this?

[eli.f]

I am at the end of my free ProtectMyID subscription courtesy of Target.  I have found them mostly redundant because of this , however I have found that they have one MAJOR benefit.

I have successfully removed pulls from my EX report easily by phone on 3 separate occasions.  One was for two pulls on the same day that for some reason didn't consolidate.  The other two were for pulls  on different days, as much as five days apart.

It will cost me $10/mo to renew for a year and I'm not sure it's worth it.  Is anyone aware of a cheaper way to do this?

Tell me more about this "Inquiry Removing" service