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Credit Score Tracking

kelleycm

In Quicken Mac, I know the Credit Score Report feature is not offered, but some sort of functionality to at least track your credit score would be incredibly useful. At this point, nearly every card I have gives me some version of my FICO score monthly, so implementing something I could plug those (preferably all theee) every month manually and track it would be incredibly useful.

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Quicken Mac

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Credit Score

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Comments

jacobs

Precisely because most of my credit cards show my score, I'm not sure why I'd need Quicken to also pull in the same/similar information. Maybe if someone rarely logs onto their credit cards accounts and relies on everything automatically downloading to Quicken? (for me personally, every time I run up or pay off a large monthly balance on a credit card, my credit score dips or jumps by a few points, and seeing that data every day or even every month isn't particularly useful.)

My concern is that there are a lot of different credit scores floating around, as different credit card companies may use different suppliers and update them at different times — so which would Quicken ideally use? I also don't think there's any practical way for Quicken to get the values we see on credit card websites; there's no standard (like there is for downloading transactions or account balances) for credit card companies to transmit that data to Quicken. And since these are proprietary tools the credit card companies pay for to make themselves useful to their customers, I doubt they would have any interest in downloading that data to Quicken. (And their contracts with the data providers might actually prevent them from doing so.)

So Quicken would likely need to directly contract with a credit score provider in order to access and download credit scores — a feature which exists in Quicken Windows. From my reading on this forum about the credit score feature which exists in Quicken Windows, it is imperfect and causes a bit of frustration for users. (There once was an Idea thread to remove the credit card score from Quicken Windows because of the inconsistencies from the data provider Quicken uses.)

Not too many years ago, it took a bit of work for a consumer to download their credit score from the credit monitoring companies, but that data is n ow widely available on the home screen of many credit card websites. So I'm wondering if this is really a problem of omission Quicken Mac needs to try to solve?

kelleycm

It's worth noting that my request is specific to Quicken for Mac. Quicken for Windows already has this exact functionality and automatically downloads your credit scores. Quicken for Mac does not.

The above request was not ever for Quicken for Mac to pull those scores from any place or from credit cards automatically, but for there to be functionality to at least manually track those scores:

something I could plug those (preferably all theee) every month manually and track it

If the end goal is to provide as wholistic of a financial management software as possible, having some sort of ability to track and see historical data of the score you need to secure pretty much any type of loan seems like a germane request. Also, it's an issue of product parity between the QMac and QWindows editions.

Chris_QPW

Not "credit scores", Quicken provides "a credit score", one that you have no idea which credit bureau it is from or if is even the same as one of the three that you might see for yourself for free at the three credit bureaus. Also, it is one per Quicken Id. So, you can forget about getting the credit score for both you and your spouse.

I have never downloaded my credit score into Quicken Windows (which BTW requires the premier or above) because my preference is to lock my credit history at all three, and to download it into Quicken means I have to unlock it long enough for Quicken to authorize this, and I see no need for it.

EDIT: For reference Quicken Windows shows this at the bottom of the Account bar.

kelleycm

I'm not saying I even want that. I was merely replying to the other commenter saying that it's unneeded in Quicken by saying that it, in fact, is already in Quicken as a feature in Quicken Windows.

My method of checking my credit score(s) is the same as yours, since virtually every credit card provides it these days and I pull my FICO score from all three bureaus (via three different credit cards) monthly. I would just like a way to historically keep track of my manual checks, which is my request, outside of the excel spreadsheet I keep.

one that you have no idea which credit bureau it is from or if is even the same as one of the three that you might see for yourself for free at the three credit bureaus.

You actually do. In the article I linked to, it details that the credit score Quicken Windows pulls is the Equifax VantageScore.

NotACPA

What you seem to be asking for "to at least track your credit score " does NOT exist in QWin.

What exists in QWin is a score that's only updated about every 3 months and without "tracking". It's "most recent only".