Free FICO

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Whatamuji
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Free FICO

Postby Whatamuji » Sun Aug 09, 2015 11:22 pm

Just thought I'd let yall know that if you have the HHonors card from American Express it now includes a free FICO score.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k


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CarefulBuilder14
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Re: Free FICO

Postby CarefulBuilder14 » Sun Aug 09, 2015 11:31 pm

Whatamuji wrote:Just thought I'd let yall know that if you have the HHonors card from American Express it now includes a free FICO score.

That started in late 2014, and it's not just for HHonors.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

takeshi
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Re: Free FICO

Postby takeshi » Mon Aug 10, 2015 7:52 am

...and it's not available to everyone. They've been slowly rolling it out for quite some time.

Never assume a trend based on a single data point.

Vermonster
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Re: Free FICO

Postby Vermonster » Mon Aug 10, 2015 8:30 am

takeshi wrote:...and it's not available to everyone. They've been slowly rolling it out for quite some time.


Yeah Amex is apparently doing the same thing. Citi just told me that with their new website everyone has access to a free FICO, but it is a little tough to get to.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Whatamuji
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Re: Free FICO

Postby Whatamuji » Mon Aug 10, 2015 10:12 am

CarefulBuilder14 wrote: That started in late 2014, and it's not just for HHonors.


takeshi wrote:...and it's not available to everyone. They've been slowly rolling it out for quite some time.

Never assume a trend based on a single data point.


Well that's dumb, why would it take them so long to roll out free FICO scores to everyone?
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, Chase Freedom Unlimited: 3.2k, AMEX HHonors 5k

Vermonster
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Re: Free FICO

Postby Vermonster » Mon Aug 10, 2015 3:58 pm

I logged in today to pay my Amex and saw a "NEW!" Free FICO link. Sure enough, I am now getting a free Experian FICO. They must be listening :cool: Now I just need it to start reporting :mad:
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

yfan
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Re: Free FICO

Postby yfan » Mon Aug 10, 2015 4:16 pm

I saw it on my account today too. That completes all 3 FICO score for me, and I get them free. Citi gives me Equifax, Amex gives me Experian, and Discover gives me Transunion. :cheers:

flan
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Re: Free FICO

Postby flan » Fri Aug 14, 2015 5:07 pm

yfan wrote:I saw it on my account today too. That completes all 3 FICO score for me, and I get them free. Citi gives me Equifax, Amex gives me Experian, and Discover gives me Transunion. :cheers:


citi is giving a bankcard enhanced score, not a regular one. So the number is not comparable to others.

Vermonster
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Re: Free FICO

Postby Vermonster » Fri Aug 14, 2015 7:32 pm

flan wrote:
yfan wrote:I saw it on my account today too. That completes all 3 FICO score for me, and I get them free. Citi gives me Equifax, Amex gives me Experian, and Discover gives me Transunion. :cheers:


citi is giving a bankcard enhanced score, not a regular one. So the number is not comparable to others.


Oh wow, It is buried in the FAQ on the Citi site. But it does match up very well with my real FICO from Experian.

" What score model was used to calculate my score?

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model. This model has a FICO® Score range from 250 through 900."
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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amexmember12
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Re: Free FICO

Postby amexmember12 » Tue Aug 18, 2015 9:05 am

The FICO score link showed up in mine this morning, at least that is when I saw it.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Platinum



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