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.

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?