www.Citi.com/creditscore – Free FICO Credit Score for Citi Cardmembers
I ran across an interesting bit of information today, certain Citi Credit Card holders can get their free FICO® Credit Score, based on their Equinox credit report, updated once a month. It said to go to www.citi.com/creditscore, which I did and this is what I found…
Apparently only certain Citi cardmembers are eligible for this Free FICO Credit Score, so not all Citi members are able to get it. Also, it’s only 1 credit score, instead of all 3.
While this opportunity is great for those who are eligible, the rest of us are out of luck as far as that goes. So what is a person to do?
What’s Identity Guard you ask? It’s main focus is protecting its customers from ID Theft and fraud, as well as credit card fraud, which is a big deal these days. So it has very strong features toward that direction. But they also provide all 3 credit reports as well as your 3 free credit scores, just for trying it out.
Just sign up for your 30-day free trial, and you get the benefits of a full membership (including 3 credit reports, 3 free credit scores, and daily credit monitoring). If you don’t want to continue the membership, just cancel within your free trial, and pay nothing. Then you have all 3 credit reports, 3 free credit scores – just for trying it out!
What do you think? Feel free to leave your comments on this below.
Visit Identity Guard for more info: Identity Guard
One thought on “www.Citi.com/creditscore – Free FICO Credit Score for Citi Cardmembers”
I was one of those cardmembers not eligible, and I may give Identity Guard a try because I’ve used CreditKarma and CreditSesame, and I think they leave something to be desired. I’m looking for more of a premium credit monitoring service, sounds like this may be the one.
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Y our credit score is important – it’s the first thing a lender is going to look at when you apply for a loan and it directly affects the interest rate you pay. A good credit score can save you thousands of dollars in interest over the life of a loan. Your FICO credit score is based on your credit history, which can be found in your credit report. You can get a free credit report from AnnualCreditReport.com. Unfortunately, it isn’t always easy to get a free credit score. Most companies charge you for it. Note: Your credit score and credit report are different. Your credit report covers credit history and your FICO credit score is a number based on a weighted and proprietary formula.
While it’s good to know your credit score, it isn’t something you can just look up any time you want. You almost always have to pay for it, usually anywhere from $5-$15, depending on where you get it. However, you can get a free copy of your FICO credit score if you are willing to do a little legwork.
The Fair and Accurate Credit Transactions Act (FACT Act) requires each of the 3 major credit bureaus to provide you with a free credit report once per year upon request. The credit bureaus are not required to provide your credit score, but they are happy to offer you an upsell.
The good news is that you can get a free credit score online through the credit bureaus, or from one of several third party companies. Many of these companies only provide you a copy of your credit score free if you sign up for a free trial of their monthly credit monitoring service. The credit monitoring service gives you the ability to check your credit score, verify your credit history is correct, and verify that there are no unauthorized items on your report. You can always cancel the credit monitoring service before the free trial period ends if you don’t wish to pay for it. Your credit score will be free as long as you cancel in time.
Get a free credit score with no trials and no credit card required. The good news, is not all of the free credit score offers require you to sign up for a free trial or provide your credit card number. Credit Karma and Credit Sesame both offer free credit scores without restrictions. These scores are only based on information from one credit bureau, however. So you may decide to use another service that offers a free credit score based on all three credit bureaus. We list the top options below.
The FICO credit score is the most commonly used credit score in the US. The following companies either offer a free FICO credit score, or a proprietary credit score that should approximate the FICO credit score. Many of these companies offer a free 3 in one credit score, which relies on the information contained in your credit reports from each of the 3 main credit bureaus, Equifax, Experian, and TransUnion.
- Credit Karma. Credit Karma is a free service which offers users a TransRisk score based on information from your TransUnion credit report. This is not a FICO credit score, but it will give you a good idea of where you stand. Credit Karma does not require a credit card when you sign up for their service, so you can rest easy knowing you don’t need to worry about canceling a free trial. Here is our Credit Karma review for more information, and why we recommend this service.
- Credit Sesame. Like Credit Karma, Credit Sesame is a free credit scoring service that uses credit report data to create their own proprietary credit score. The Credit Sesame credit score is based on the Experian credit report. Again, you don’t need to worry about credit cards or canceling a free trial. This is a truly free service.
- GoFreeCredit.com. GoFreeCredit stands out because they offer a credit score and credit monitoring based on all three major credit bureaus. You can get instant access to your 3 credit scores. Simply enroll in a free trial and you will receive 3 free credit scores based on the information found in your credit files with the 3 major credit bureaus: TransUnion, Equifax, and Experian. Also get 24/7 Triple Bureau Credit Monitoring with Instant Fraud Alerts. Visit GoFreeCredit.com for more information.
- Equifax Credit Watch Gold with 3-in-1 Monitoring. Equifax is one of the three major credit bureaus and provides credit scores. Signing up for a free credit score from Equifax gives you a 30 day trial of their service, which includes your free Equifax credit score from FICO and a 3-in-1 consolidated credit score from the three credit bureaus. The monthly fee is $14.95 if you do not cancel within 30 days.
- TrueCredit. TrueCredit is owned byTransUnion, one of the 3 major credit bureaus. The TrueCredit credit monitoring service gives you immediate access to your TransUnion credit score, and you can set up alerts to notify you when your credit score changes. TrueCredit also offers $25,000 of identity theft insurance with their service. There is a 7 day free trial period, after which you will be charged a monthly fee of $14.95 if you wish to continue using the service. You will also full credit profile monitoring from each of the 3 credit bureaus once you pass the 7 day trial period.
- FreeCreditScore.com. FreeCreditScore.com is famous for their catchy commercials. But if you read the fine print, the only way to get a free credit score from their site is to sign up for the 7 day free trial membership in Triple Advantage, then cancel before the end of the free trial period (you actually have 9 days to cancel without being charged). FreeCreditScore.com’s Triple Advantage service provides you with a Monthly Statement with your Credit Score, Alerts digest, and a summary of the key financial information that lenders use to rate you. The cost is $14.95 per month if you maintain the service.
Knowing your credit score comes in handy if you plan on applying for a loan or if you have a need for credit in the near future. For most people, it is a good practice to have an idea of your score, but it may not be necessary to know the exact number. However, reviewing your credit history frequently (at least every few months) is a good idea so you can monitor for changes to your credit profile and be alerted to possible changes or unauthorized access to your credit.
citi free fico score
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A FICO ® score is a particular brand of credit score. A credit score is a number that is used to predict how likely you are to pay back a loan on time. Credit scores are used by companies to make decisions such as whether to offer you a mortgage or a credit card. They are also used to determine the interest rate you receive on a loan or credit card, and the credit limit. Learn more about credit scores generally.
FICO stands for the Fair Isaac Corporation. FICO was a pioneer in developing a method for calculating credit scores based on information collected by credit reporting agencies. Today, other companies also have credit scoring formulas (“models”), but most lenders still use FICO scores when deciding whether to offer you a loan or credit card, and in setting the rate and terms. Banks may also use FICO scores when approving checking and savings account applications and setting the terms of those accounts.
Just like there is no single credit score – there are several companies that create scores – there is also no single FICO score. Like all credit scores, FICO scores depend on the contents of your credit report. There are three major agencies that collect credit data -- Experian, Equifax, and TransUnion. Because the credit reporting data at each agency can be different, your FICO scores may be different depending on which agency’s data is used to calculate it. FICO also has different variations of its basic scoring model tailored to different types of lenders (for example, home loans or car loans). So you could have several different FICO scores, even when they are all calculated from the same credit agency’s data.
You cannot buy these customized kinds of FICO scores, but myfico.com does make available a score calculated with a general FICO model. Several other companies also provide “educational” scores that might give you some sense of what your scores might look like. Your educational score can be different from the score a lender would use, and the differences can sometimes be significant. The CFPB published a report on these differences.
FICO scores range from 300-850. Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate. Like all credit scores, FICO scores can change over time according to your credit behavior.
To get and keep a good credit score:
- Pay all your bills on time.
- Apply only for the credit that you need.
- Don’t use too much of the credit that is available to you.
- Order your free credit report every year and dispute any errors you find.
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.
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Free FICO® Score Open Access Program Gains Momentum
Did you know over 10 billion FICO® Scores are used worldwide every year by lenders to make credit decisions?
It’s no secret that the FICO® Score is the standard measure of consumer credit risk here in the U.S. and aboard. The FICO® Score is used in more than 20 countries, as well as the top 50 financial institutions and 25 largest credit card issuers and auto lenders here in the U.S.
It’s amazing to think that a simple three digit number plays such an important role in our lives – whether it’s for buying a car, house, insurance, getting a student loan, obtaining a credit card, renting an apartment, or even gaining employment.
Fast forward to today and I’m sure you have heard that FICO® has rolled out a new program to allow consumer’s access to their FICO® Scores for free. Now when you heard the word free I’m sure you may think there are some strings attached or something to enroll in, but the good news is this is the real deal.
Free is really free!
Under FICO®’s Score Open Access program, consumers can view their scores if the lender has signed onto the program. Now I know you’re probably thinking that’s the catch right? Well, not exactly, so far lenders such as Discover, Barclaycard and First Bankcard have signed on with many more in the process. FICO® estimates more than 25 million consumers will have free access to their credit scores.
If you’re a cardholder of the following Barclay or First Bankcard co-branded credit card partners, you now have access to free FICO® Scores:
- Barclaycard Ring, Barclaycard Arrival, Barclaycard Rewards, Juniper, Frontier and Carnival cardmembers
- Union Bank, N.A., headquartered in San Francisco
- New York Life Insurance Company
- Scheels All Sports, a sporting goods retailer headquartered in Fargo, N.D.
- Overstock.com, an online discount retailer headquartered in Salt Lake City
- Sheetz Inc., a chain of convenience stores headquartered in Altoona, PA.
- MidFirst Bank, headquartered in Oklahoma City
- Technology Credit Union, headquartered in San Jose, CA.
- Swagbucks, a Web rewards and loyalty destination headquartered in Redondo Beach, Calif.
Remember the quote “Nothing is more powerful than an idea whose time has come.” This idea of free access to your FICO® Scores is definitely an idea whose time has come.
Gone are the days of the mysterious FICO® Score used by lenders. With over 56% of consumers in the U.S. having no idea what their credit score is or how to improve their credit score– creating more transparency in the credit reporting industry is exactly what is needed.
Stay tuned as we will continue to update you on new lenders that sign onto the FICO® Score Open Access program as it continues to gain momentum.
Looking for ways to improve and maximize your FICO® Scores? Submit your name and email below to receive my FREE course ‘7 Steps To Superior Credit’ ($497 value) =>
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