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"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

Credit history and score ymlulu 510次浏览 0个评论

As Obama ordered, major banks have their own credit card introduced free credit scores this useful feature.At present, AMEX,Chase,Citi,Barclays, Discover credit card offers different credit bureau scores, BOA free scores in the last line.There are on the market and claims to provide free credit scores sites, drawing everyone to register.The difference between credit scores, who provide the most authoritative, whose interface functionality is best?Today, I'll take you to compare.

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

"5/20/2016" Discover credit card company Credit Scorecard, Experian FICO credit score can be queried directly, while also providing part of the credit report.Even better is that gets the score and does not need a Discover credit card users, direct registered accounts can get.As detailed in the 8th chapter.

1. Introduction to credit scores

In the United States provides credit reports there are three main credit bureaus: Experian (EX) and TransUnion (TU), Equifax (EQ).Most banks review your credit cards or loans at will call one or more of the credit Bureau report, to evaluate whether you are approved for a credit card or loan.

In many cases, approval by one of the criteria is your credit score.Credit scores can be said to quantify the level of risk based on your credit report score (bigger is better).Now commonly used are FICO's model to calculate a credit score.Despite this, one in three credit Bureau's credit report does not have the same (such as HP is different), while the three credit bureaus use FICO model is not necessarily the same.Therefore, the three credit bureau scores tend to be different.

Moreover, in addition to FICO scores and some other companies with some other models to calculate credit scores, for example: free CreditKarma and Creditseame provide the model worked out their own set of scores.It can be said that scores of other models, only references can just have a look at the trends, do not care about specific points.

No matter which model is which credit Bureau, credit scores are determined by several factors: payment history (35%), amount (30%), the credit history (15%), a new account (10%), the type of credit (10%).Specific analysis of these factors, we can see:

2. Free credit score

Here are some free credit score or credit report way

For reference purposes only means the score is calculated using their own models of the company, is not the authority of the FICO score.It can be seen that if you also have a Citi,AMEX,Discover of three credit card, set the alignment of the three major credit bureaus free credit scores.Following the analysis

3. AMEX credit scores

AMEX credit cards provide Experian credit score.General interface is good, but the big drawback is that only gave it a score and a month of scores, no historical scores show.AMEX also had two key elements affect my credit score, is good.

  • Score graph:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Update frequency: AMEX monthly updates, but the show was last month's score, all cards are shown with a score

4. Barclays credit scores

Barclays credit card is provided by TransUnion credit score.Good location, and is similar to Citi.Back time is one year.

  • Score graph:"5/20 update CreditScoreCard scores and reports" which strong free credit scores?
  • Score history chart:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation: and think exactly like AMEX, not here.
  • Update frequency: not updated on a regular basis, usually once in two months

5. BOA credit scores

BOA credit card TransUnion credit score.Overall interface very well, very compact.

  • Scores and score history charts

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation: and think exactly like AMEX, not here.
  • Update frequency: unknown

6. Chase Slate credit scores (buddy)

Chase Slate card provided Experian credit score.Compact and friendly interface, at a glance.The key is to not only provide credit scores, also gives some of the credit report.Include the account number, Hardpull, usage and other information, very useful.

  • Scores and history

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation: and think exactly like AMEX, not here.
  • Update frequency: updated monthly, shows the current month points

7. Citi's credit score

CITI credit cards provide Equifax credit scores.Citi score history looks very useful, but the longer you have a Citi card, the score history dating back longer.So, to look at a fraction of the time, it is best to choose your card in Citi's oldest.Card of the course for more than six months there is no difference.

  • Score graph:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Score history chart:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation: and think exactly like AMEX, not here.
  • Update frequency: Citi update monthly, shows points in the month, all card scores the same history different

8. Discover credit scores

All available

"5/20/2016" Discover credit card company has introduced a new feature, Experian FICO credit score can be queried directly, while also providing part of the credit report.Even better is that gets the score and does not need a Discover credit card users, direct registration can take.

  • Score and part of the credit report:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score reading: a list of important factors affecting the credit score

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Update frequency: updated once every 30 days, then login account can be

Discover credit card cardholder exclusive

Discover provides a credit score is one of my favorite, at a glance, and traces of time up to one year.Think can score with the changes this year what impact a credit score.If you select the Table View, you can still see every month for your credit score interpretation, is excellent.

  • Score, and score history charts:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Credit report and score interpretation: and think exactly like AMEX, not here.
  • Update frequency: monthly Discover card updated, update time, and Bill time, different cards score different (because the updates at different times)

9. Wellsfargo credit scores (provided by Ryan Shi)

Wellsfargo credit card provides Experian credit score.

  • Score, and score history charts:

"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

  • Update frequency: monthly

10. Compare

10.1 useful analysis:

Useful in this three credit bureau score is not the same.Mentioned above, credit scores and credit bureaus are linked.When you apply for a credit card, the Bank will call one or more credit bureaus credit score to assess whether your approved credit card.So, if the banks are particularly fond of invoking a credit Bureau report and score, the credit bureau scores are particularly useful.In most States, Chase, AMEX, Citi is like calling Experian credit reports and scores, and TransUnion,Discover like to call Equifax is called Chase and Barclays.Meanwhile, General Chase and AMEX, well worthy of applications owned by Citi credit cards than other banks.We can draw the following conclusions:

10.2 interface, frequency of updates and additional features

Discover is the best interface.He has provided the most clear, a year of change as a whole on a curve in a diagram, but also gives credit score now.AMEX was the least, don't even have a whole diagram.Looking at the frequency of updates, the almost, are updated once a month.But Barclays is no Bill is not updated, it's dishonest. Chase Slate credit card not only provides free credit scores, EX is also provided part of the credit report is very useful.

11. Summary

Understanding your credit score to apply for a credit card may be helpful, since the banks provide this free credit score and score interpretation, every month to see, look at ways you can improve your credit score.From the above comparison, provide credit scores generally Discover the most comprehensive, and AMEX offer credit scores the most useful.These credit cards are interested, you can see your favorite credit card totals.





"5/20 update CreditScoreCard scores and reports" which strong free credit scores?
"5/20 update CreditScoreCard scores and reports" which strong free credit scores?
"5/20 update CreditScoreCard scores and reports" which strong free credit scores?
"5/20 update CreditScoreCard scores and reports" which strong free credit scores?

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