Callmedory wrote:Which cards are best for that, as in no AF and a so-called "real" score?
Don't rely just on "real". Even with FICO's the specific model and the CRA used as a data source matter. Keep in mind that you have a score with each CRA as scores are generated based on data in a credit report from one of the CRA's. Creditors use different models and CRA's in their decisions so you can't simply rely on one FICO.
There are a number of no AF cards that offer FICO's so you should really have some other criteria to narrow down the options. The list below is by no means exhaustive -- it's just what I can recall off the top of my head.
- Discover is popular and offers a TU 08 score.
- I think Barclay and Walmart also offer TU 08.
- PenFed offers an Experian FICO on a quarterly basis but it's the NextGen model.
- IIRC Citi is 08 Bankcard but I don't recall the CRA off the top of my head.
- I think FNBO provides Experian 08 Bankcard.
I'd suggest Googling. I'd have to search to compile a list for you since I don't actively maintain one. There are threads on the various credit sites that discuss the options as well as info on the credit blogs.
Callmedory wrote:Be nice to not open another card.
A thread on CreditBoards claims that AmEx is rolling out FICO's to users. My wife and I have yet to see anything but some apparently have already had access to scores.
You can always purchase 08 scores for all 3 CRA's directly from myFICO.