credit score

[Zalc]

What is the best way to see my fico 04 score (mortgages) and full report as often as possible, from each agency?
At least once a month.

Bump.
Would he need to join a credit union etc?

[ya]

Bump.
Would he need to join a credit union etc?

Myfico.com

[Zalc]

Myfico.com

Thanks. Is there a way to do it for less than $20/month?
Also, they advertise fico 08, don't mortgages use 04?

[noturbizniss]

Thanks. Is there a way to do it for less than $20/month?
Also, they advertise fico 08, don't mortgages use 04?

My fico gives all scores

[PillanSmye]

My fico gives all scores

when you pay.   The daily updates are only FICO 08

[Mendelssohn]

DCU gives you a free EQ score and PSECU (not open membership) gives you EX. Those are the only places to get those scores for free.

FYI ignore the people on MF that say the PSECU score is EX 98. They are wrong.

[newdealseeker]

DCU gives you a free EQ score and PSECU (not open membership) gives you EX. Those are the only places to get those scores for free.

FYI ignore the people on MF that say the PSECU score is EX 98. They are wrong.

Who's DCU and who's PSECU?

[David Smith]

Who's DCU and who's PSECU?

DCU
PSECU

[newdealseeker]

DCU
PSECU

Thanks.
Please excuse my ignorance. I've never dealt with a credit union before.
What do I need to do to join them? Do I need to have a loan?

[Mendelssohn]

Thanks.
Please excuse my ignorance. I've never dealt with a credit union before.
What do I need to do to join them? Do I need to have a loan?

Check out the membership requirements on the websites.

PSECU is tough to join unless you live in PA.

[newdealseeker]

Check out the membership requirements on the websites.

PSECU is tough to join unless you live in PA.

I don't live in any of the states listed and don't have an employer or relative whose a member with either of these. By reading the requirements, I guess I'm not eligible.

[David Smith]

I don't live in any of the states listed and don't have an employer or relative whose a member with either of these. By reading the requirements, I guess I'm not eligible.

For DCU?

[newdealseeker]

For DCU?

Right. You can be eligible by relation, community, organization, or company. None apply to me.

[Zalc]

DCU gives you a free EQ score and PSECU (not open membership) gives you EX. Those are the only places to get those scores for free.

FYI ignore the people on MF that say the PSECU score is EX 98. They are wrong.

I don't need it for fico 08 scores.
I get EQ from Citi, TU from discover/Barclay's and EX from Amex already.
Unless those are 04 scores rather than 08?

[Mendelssohn]

I don't need it for fico 08 scores.
I get EQ from Citi, TU from discover/Barclay's and EX from Amex already.
Unless those are 04 scores rather than 08?

They are 04 scores.

The Citi EQ is bankcard enhanced FYI (goes up to 900).

Anybody can join DCU through an organization.

[newdealseeker]

They are 04 scores.

The Citi EQ is bankcard enhanced FYI (goes up to 900).

Anybody can join DCU through an organization.

I can just sign up for the cheapest organization as a one time thing?

[Zalc]

They are 04 scores.

The Citi EQ is bankcard enhanced FYI (goes up to 900).

Anybody can join DCU through an organization.

Do you also get you report from them? If not can I probably rely (mostly) on Credit Karma for info on pulls?
Is there a hard pull to join?
Also, what CR agency do banks in NY usually pull for commercial mortgages?

I can just sign up for the cheapest organization as a one time thing?

If I join "Reach out for schools" for 1 year at $10, and then join DCU, can I just never renew the organization?
Does DCU turn People down? if so, for what generally?

[PillanSmye]

DCU will be  hard pull to join,  and a hard pull for a credit product.

Yes they deny for bad credit.

Once you join whatever organization for membership,  you don't need to renew.

DCU offers outstanding auto loan rates as a bonus for membership in the future.  And no balance transfer fee BT with0% promos oftenoften.

[newdealseeker]

DCU will be  hard pull to join,  and a hard pull for a credit product.

Yes they deny for bad credit.

Once you join whatever organization for membership,  you don't need to renew.

DCU offers outstanding auto loan rates as a bonus for membership in the future.  And no balance transfer fee BT with0% promos oftenoften.

Why is it worth a hard pull for this? And if yes, do you need to apply for credit at the same time for one pull? For what kind of credit?

[PillanSmye]

Why is it worth a hard pull for this? And if yes, do you need to apply for credit at the same time for one pull? For what kind of credit?

I didn't say it is or isn't worth a hard pull.   I just pointed out the facts related to the matter