Getting all 3 FICO Scores in one place

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Red_Rena
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Getting all 3 FICO Scores in one place

Postby Red_Rena » Sun Aug 10, 2014 9:50 am

Is this possible? I'm more than a little overwhelmed by all the different sites that say they do this, but all the talk of the different scoring models.
EQ 861
EX 08 869
TU 08 822

American Express Blue Cash Everyday $16,000 (6/2014)
Bank of America Better Balance Rewards $3800 (7/2003)
Bank of America Cash Rewards Visa Signature $6000 (3/2012)
Barclaycard Rewards $8200 (2005)
Capital One Quicksilver $4750 (12/2010)
Capital One Quicksilver $4000 (3/2011)
Chase Freedom $2000 (9/2003)
Citi Dividend $5700 (6/2013)
First National Bank of Omaha Visa Platinum $9000 (2011)
Bill Me Later (PayPal Credit) $1960 (2011)


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PlyrStar93
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Postby PlyrStar93 » Sun Aug 10, 2014 10:31 am

Then it has to be MyFICO's 3-Report View (which costs ~$60).
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
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Red_Rena
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Postby Red_Rena » Sun Aug 10, 2014 10:42 am

PlyrStar93 wrote:Then it has to be MyFICO's 3-Report View (which costs ~$60).


I read somewhere that myFico only gives EQ and TU scores. But I did see they have a special for $4.95 for the first month. I was thinking of signing up for the scores, then canceling. Thoughts?
EQ 861

EX 08 869

TU 08 822



American Express Blue Cash Everyday $16,000 (6/2014)

Bank of America Better Balance Rewards $3800 (7/2003)

Bank of America Cash Rewards Visa Signature $6000 (3/2012)

Barclaycard Rewards $8200 (2005)

Capital One Quicksilver $4750 (12/2010)

Capital One Quicksilver $4000 (3/2011)

Chase Freedom $2000 (9/2003)

Citi Dividend $5700 (6/2013)

First National Bank of Omaha Visa Platinum $9000 (2011)

Bill Me Later (PayPal Credit) $1960 (2011)

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PlyrStar93
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Postby PlyrStar93 » Sun Aug 10, 2014 10:54 am

Now MyFICO provides all 3-bureau's scores. The whatever $ for trial then whatever $ for subsequent months is more likely credit monitoring. For only score+report, no subscription is needed.

MyFICO does provide two monitoring services, one for EQ while the other for TU. No Experian monitoring+score. (deleted - They may or may not have provided the $4.95 trial I don't know, but I can't find this on their product right now.)
The $4.95 first month is actually Equifax's monitoring.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

thom02099
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Postby thom02099 » Sun Aug 10, 2014 8:08 pm

Red_Rena wrote:Is this possible? I'm more than a little overwhelmed by all the different sites that say they do this, but all the talk of the different scoring models.


MyFICO is the only place you can get all 3 true FICO scores. They are all now the 08 model, with Experian coming on board earlier in the year, and Transunion recently upgrading to their 08 model. There is also now talk of a 09 or 9 model which will be released in the fall.

You don't have to pay the full $60 for all three reports. There are no promo/discount numbers for the tri-pull, but if you buy them individually, you can use promo codes to get a discount, usually takes $4 off/report. Here are some codes that work (from another credit forum and their FICO discount thread):

S1403STL20FST
E1407SGL20FST

Other codes appear there periodically that give discounts on the tri-pull, but for now these work and will save you $12 off the total price.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

mdl28
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Postby mdl28 » Sun Aug 10, 2014 9:45 pm

I see you have an Amex card. See if you qualify for their credit secure service. It provides all 3 scores. Look into it.
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

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PlyrStar93
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Postby PlyrStar93 » Sun Aug 10, 2014 11:41 pm

mdl28 wrote:I see you have an Amex card. See if you qualify for their credit secure service. It provides all 3 scores. Look into it.

AMEX's CreditSecure:

Here's what you get:
...
Credit reports from the 3 Major Bureaus and Plus Scores
...
PLUS Scores are not used by lenders and your PLUS Scores may not match credit scores actually used by lenders.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
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