How To Get Your Real Credit Score For Free

For just about anything you want to get off your chest about credit cards.
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Wildcats18AA
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How To Get Your Real Credit Score For Free

Postby Wildcats18AA » Tue Dec 10, 2013 2:32 pm

Hi, I know I am eligible for a free credit report but that it doesn't give an actual credit score. What are some suggestions of places to get my real score?


DavidNY
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Postby DavidNY » Tue Dec 10, 2013 6:34 pm

Discover and Barclaycard offer free FICO scores.

cpaynter
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Postby cpaynter » Mon Dec 16, 2013 1:09 pm

What DavidNY said. But note that only Discover It cards (others, like the Discover More card, do not have this feature). Discover prints the score on your It statement, and BarclayCard allows access via their website. Also USBank has been providing me a service for years that provides my Experian FICO score via an email link. And as a member of Digital Credit Union, they send me an internal message every month or so with my Equifax FICO score. I also like to spot-check the FAKOs from CreditKarma and CreditSesame. For me, the Sesame scores stay pretty consistent with my actual FICO scores. CreditKarma is always lower than actual FICO, typically by 20 points or so.

Chris.

takeshi
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Postby takeshi » Tue Dec 17, 2013 7:57 am

Wildcats18AA wrote:What are some suggestions of places to get my real score?

Unless you have an card that gives you your FICO score you'd need to purchase it direclty from FICO.

Keep in mind that "real" doesn't mean much. Even with FICO scores there are a large number of models (49, IIRC) in use.

Wildcats18AA
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Postby Wildcats18AA » Tue Dec 17, 2013 2:53 pm

Thanks, CK is saying 754, credit sesame is 787. Just got a credit score of 738 from Experian on a CitiBank credit card I was approved for. Also recently got a Discover IT card so I guess I will get a score in the first statement

DGenerateKane
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Postby DGenerateKane » Sun Dec 29, 2013 4:37 pm

I have a SallieMae card issued through BarclayCard and I can't find my score anywhere. Where is it located? Is it only for certain cards?

MemberSince99
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Postby MemberSince99 » Sun Dec 29, 2013 4:50 pm

For me DGenerateKane, it was under "Tools" the sidebar on the lower right, it's in there under FICO Score.


The GE Walmart card also offers a TU FICO from what I've heard (never had it but seen numerous posts on it).

mathman314
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Postby mathman314 » Sun Dec 29, 2013 4:52 pm

Wildcats,

Your FICO score will also come with your IT card as well as on your statements.

Keep in mind that your score on CK and CreditSeasme are estimates of the FICOs that lenders see
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)

DGenerateKane
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Postby DGenerateKane » Sun Dec 29, 2013 6:43 pm

MemberSince99 wrote:For me DGenerateKane, it was under "Tools" the sidebar on the lower right, it's in there under FICO Score.


I already checked Tools. I have a Spend Analyzer, My Travel, and Purchase Planner tools. Below that I have a section labeled Credit education with three sections labeled Credit cards 101, Your credit lifecycle and Credit score. All those are just general information about credit, I didn't see a FICO score anywhere.

MemberSince99
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Postby MemberSince99 » Sun Dec 29, 2013 7:08 pm

I just double checked and all I have to click is Tools and it's right there. I would contact them and ask.



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