Lesson #72 : Where Do I Get My Credit Score from?

And just so you know, in Jan of 2017 The Consumer Financial Protection Bureau ordered TransUnion and Equifax to pay more than $23 million in fines and restitution “for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers by giving them a Vantage Score.” according to the CFPB, was that TransUnion and Equifax misled consumers by suggesting that the educational credit scores (Vantage Scores) they offered were the same scores lenders used to make credit decisions. According to the CFPB, however, these scores were “rarely used by lenders to make credit decisions.”

 

== PAID FICO SCORES BEST OPTIONS==
myFICO.com – ALL 28 FICO Scores for $29.95/mo – Real time FICO 8 Score updates and alerts, Credit file updated once every 3 months.. For $39.95/mo you get monthly file updates.
Credit Check Total – All 3 CB – FICO8 – Monthly updates. $1 for 7 days and then $29.99/mo
Experian CreditWorks Premium – All 3 CB – FICO 8 – $4.99/ 1st month then $24.99/mo

== Uses & Reports a Vantage Score and is not accurate ==
Credit Karma – TransUnion and Equifax – Vantage Updates weekly
Credit Sesame – TransUnion – Vantage
Quizzle – TransUnion – Vantage – Every 3 months
CreditWise by Capital One – TransUnion Monthly – Vantage
Lending Tree – TransUnion Weekly – Vantage
myBankrate – TransUnion Weekly – Vantage
CreditCards.com – TransUnion Monthly – Vantage
Nerdwallet – TransUnion – Weekly – Vantage
WalletHub – TransUnion Daily – Vantage
Credit.com – Experian – Vantage
Mint.com – Equifax – Monthly – Vantage
SelfLender – Experian – Vantage
Credit One Card Account – Experian – Vantage

==Available to Credit Cardholders==
USAA – Experian – Vantage
Credit One Card – Experian – Vantage

==Other Score==
Privacy Guard – All 3 – CreditXpert Scores Monthly USELESS!

****** FICO SCORES YOUR REAL SCORES ****

FREE FICO:
FreeCreditScore.com – Experian FICO Score 8
Discover Scorecard – Experian Monthly
Finger Hut FICO 8 Equifax. Monthly
Experian – FICO 8 Monthly

==Available to Credit Cardholders FREE==

Bank of America – TransUnion FICO 8
Lowes Store Care – TransUnion FICO 8
Walmart – TransUnion FICO 8
Barclaycard – TransUnion FICO 8
Discover Card – Transunion FICO 8- Monthly
Lowe’s Store Card – Transunion FICO 8- Monthly
American Express – Experian FICO 8
Chase Slate – Experian FICO 8 – Monthly
US Bank Experian FICO 8
NFCU – FICO 9 – Equiafax
DCU – Equifax FICO 8
Citi – Equifax FICO Bankcard Score 8 This FICO score goes up to 900.
Wells Fargo – FICO Bankcard version 2 – Experian
Commerce Bank – FICO Bankcard 9
Penfed – FICO Nextgen
Space Coast Credit Union – FICO Auto Score 8 – Experian

 

 

 

 

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