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Old 06-27-2020, 11:33 AM   Topic Starter
Trivers Trivers is online now
Always ask 'Why?"
 
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Public Service Announcement: Check your FICO credit score for FREE!

hey!

working on loan submittal docs for several credit unions for the new gourmet popcorn factory/store.

double and triple-checking everything including score. FICO is the only score standard that matters.

using this website from Experian:

https://www.experian.com/?intcmp-cor-signin-logo

experian.comexperian.com
Check Your Free Credit Report & FICO® Score - Experian
Experian is committed to helping you protect, understand, and improve your credit. Start with your free Experian credit report and FICO® score.

it provides immediate credit report and score for free for Experian.

And, if you sign up for the $25/month package. you receive ALL THREE scores and reports. You will instantly know if your scores will allow you to borrow to get the whatever of your dreams!

AND if you cancel within 7 days, there is no monthly fee. For $25/month, they will send you emails of all credit score increases and changes. For the cost of having a few fewer beers/month, you will have instant and up to date info.

I'm going to keep it. Peace of mind.

have a good weekend
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Old 06-27-2020, 11:51 AM   #2
scho63 scho63 is offline
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I can check my FICO score for FREE via my Wells Fargo account anytime I want and my credit score for free via Credit Karma.

No sense to pay anymore. Many banks and brokerages have deals to access for free.
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Old 06-27-2020, 11:59 AM   #3
Hammock Parties Hammock Parties is online now
I'll be back.
 
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Quote:
Originally Posted by scho63 View Post
I can check my FICO score for FREE via my Wells Fargo account anytime I want and my credit score for free via Credit Karma.

No sense to pay anymore. Many banks and brokerages have deals to access for free.
My bank literally sends me multiple e-mails every month letting me check my credit score for free.

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Old 06-27-2020, 11:59 AM   #4
Trivers Trivers is online now
Always ask 'Why?"
 

Join Date: Oct 2011
Location: Two Rivers, Wisconsin
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Quote:
Originally Posted by scho63 View Post
I can check my FICO score for FREE via my Wells Fargo account anytime I want and my credit score for free via Credit Karma.

No sense to pay anymore. Many banks and brokerages have deals to access for free.
Credit Karma uses VantageScore 3.0. A credit score wanta be. Used by CK and most credit card companies to let their users have a vague idea where they stamd.

If you going for a house, car, boat, building, you need FICO scores.

Last edited by Trivers; 06-27-2020 at 12:58 PM..
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Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.Trivers is obviously part of the inner Circle.
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Old 06-27-2020, 02:08 PM   #5
-King- -King- is offline
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Quote:
Originally Posted by Trivers View Post
Credit Karma uses VantageScore 3.0. A credit score wanta be. Used by CK and most credit card companies to let their users have a vague idea where they stamd.

If you going for a house, car, boat, building, you need FICO scores.
Every credit card shows your FICO score for free.
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Old 06-27-2020, 02:29 PM   #6
BigRedChief BigRedChief is offline
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Quote:
Originally Posted by scho63 View Post
I can check my FICO score for FREE via my Wells Fargo account anytime I want and my credit score for free via Credit Karma.

No sense to pay anymore. Many banks and brokerages have deals to access for free.
Yeah, my Discover card provides my FICO score with every bill. Supposedly about 1/2 CC companies do the same. Credit Karma is free. Why pay? What else do you get?
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Old 06-27-2020, 04:10 PM   #7
Trivers Trivers is online now
Always ask 'Why?"
 

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Location: Two Rivers, Wisconsin
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Quote:
Originally Posted by BigRedChief View Post
Yeah, my Discover card provides my FICO score with every bill. Supposedly about 1/2 CC companies do the same. Credit Karma is free. Why pay? What else do you get?
You made me go look:

Citi gives you TU FICO
Discover gives you EX FICO
Capital One gives you Creditscore (worthless)
Credit Karma gives you creditscore
Nerd Wallet gives you creditscore

The experian subscription shows all three scores. all three reports, everything in one place.

Plus reminds me of all the high mileage reward travel cards as they become available.

I choose to spend $25/month for the convenience of seeing everything in one place.

I did the PSA to show the FREE service; not asking anyone to spend anything more.
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Old 06-27-2020, 08:08 PM   #8
hometeam hometeam is offline
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Quote:
Originally Posted by scho63 View Post
I can check my FICO score for FREE via my Wells Fargo account anytime I want and my credit score for free via Credit Karma.

No sense to pay anymore. Many banks and brokerages have deals to access for free.

Credit Karma has not a ****in CLUE what your credit score is. Its the single biggest eye roll in my business. So much that when a customer tells us a credit score we have to ask where they saw it, if it was Credit Karma, it literally has ZERO meaning, its so often so badly wrong. I see it EVERY DAY they can be off by 150 points or more, and its almost always higher than it actually is.

Your credit cards DO know your score, and the scores are provided by the credit companies.
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Old 06-28-2020, 06:03 AM   #9
DaFace DaFace is offline
Kind of a mod
 
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Quote:
Originally Posted by hometeam View Post
Credit Karma has not a ****in CLUE what your credit score is. Its the single biggest eye roll in my business. So much that when a customer tells us a credit score we have to ask where they saw it, if it was Credit Karma, it literally has ZERO meaning, its so often so badly wrong. I see it EVERY DAY they can be off by 150 points or more, and its almost always higher than it actually is.

Your credit cards DO know your score, and the scores are provided by the credit companies.
Odd. I'm kind of obsessive about monitoring mine, and CK has never been off by more than 10 or so from what my credit cards say.

I find CK to be useful for monitoring changes to your general score (since they all use the same data) though I know that they all have slightly different approaches in their calculations. I find that most credit cards just give you the score without a lot of ability to understand what's driving it.

CK does provide Experian's score alongside the Vantagescore FWIW.

Last edited by DaFace; 06-28-2020 at 06:18 AM..
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Old 06-27-2020, 12:35 PM   #10
digger digger is offline
Thread I will end you.......
 
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I get free FICO from both my bank and credit card, I additionaly check Credit Karma weekly. Experian can kiss my ass, they can't even keep the data they have safe from hackers, so **** them...
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Old 06-27-2020, 12:45 PM   #11
BWillie BWillie is offline
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I'm white. Having good credit is virtually the only thing I'm good at. I'm like 850 or some shit. I could ask for a half a milsky loan to buy crack, they'd probably give it to me.
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Old 06-27-2020, 01:02 PM   #12
OrtonsPiercedTaint OrtonsPiercedTaint is offline
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Old 06-27-2020, 01:11 PM   #13
TribalElder TribalElder is offline
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Old 06-27-2020, 01:32 PM   #14
loochy loochy is offline
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Quote:
Originally Posted by Trivers View Post

And, if you sign up for the $25/month package. you receive ALL THREE scores and reports. You will instantly know if your scores will allow you to borrow to get the whatever of your dreams!

AND if you cancel within 7 days, there is no monthly fee. For $25/month, they will send you emails of all credit score increases and changes. For the cost of having a few fewer beers/month, you will have instant and up to date info.

I'm going to keep it. Peace of mind.

have a good weekend
A fool and his money are soon parted
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Old 06-27-2020, 02:07 PM   #15
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You're paying $25 a month to get emails of a free service? Wut?
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