FICO score
Why doesn't CK provide the FICO score? Is it too costly for you to provide it as a free service?
It costs money. FICO is a brand. You don't keep your value by giving it away for free or without any hoops.
FICO isn’t a score. FICO has hundreds of different algorithms that all generate different scores. FICO will happily sell customers one of their existing scoring algorithms or build one just for your purpose, which many institutions do. These scoring algorithms can be used against the data from any of the main 3 agencies (experian,transunion,equifax). Other scores aren’t any more or less correct they’re just different. And a company can choose any algorithm and any credit agency or combination thereof when they’re making a credit decision.
Not hundreds.
Ok so a little Google-fu says there were at least 49 as of 2012. Another article says FICO has has introduced 60 since 2011. Keep in mind it’s not just the major versions FICO 2,4,5 but also minor revisions. Also they’ll customize and rebrand them per customer request. I admit it’s unlikely you’d ever see all these combinations but 50-60 scores is a fair answer. And saying hundreds exist isn’t really a stretch depending on how you differentiate them.
Ask FICO.
What should I ask them? Why don't you provide FICO score to CK?
Just subtract 20-40 points for a ballpark number.
I know but want to know the reason for not providing FICO
FICO is its own company who charge for monitoring services. Does anyone provide a FICO score for free? You normally have to pay for it from myFico.com