Where to Get Your Real Equifax Credit Score
If you're wondering where you can access your real Equifax credit file, you've come to the right place. In this blog post, we'll discuss several options to help you get your hands on your true FICO Equifax score.
MyFICO
- MyFICO provides you with your FICO 8 Equifax score for free.
- This service offers 28 different data points and multiple scoring models, making it a valuable resource when shopping for financing.
Discover
- Discover typically pulls from Equifax and will give you your Equifax FICO 8 credit score.
- If you have bad credit, consider getting a Discover secured card. After 6 months, the card may become unsecured, and your limit could double.
- Maintain a low balance, around 10% of the card's limit, to help improve your credit utilization.
Equifax.com
- When you log in to Equifax.com, the score they provide is a Vantage score, not your real FICO score.
Other Options
- Citi Bank will give you your Equifax FICO 8 score.
- PenFed pulls your Equifax score for credit cards, but uses FICO 9 for their loans.
- TD Bank and Truist also provide your Equifax FICO 8 score.
Remember, when shopping for financing, especially business funding, it's best to approach your regional and community banks as they may have more flexibility with debt-to-income ratios and credit inquiries.
If you have any other questions about credit, funding, or removing negative items from your credit report, feel free to schedule a one-on-one consultation.
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