topic Re: Experian in General Credit Topics

Experian

Anonymous — Sat, 09 Sep 2017 18:19:42 GMT

How can i check my experian score for free? I see post where people are able to check all 3 scores and can't figure it out. I got credit karma but that only shows the trans and say I. Thanks

Re: Experian

Sandman771 — Sat, 09 Sep 2017 18:24:19 GMT

First off Ck uses Vantage scoring NOT FICO scoring which what lenders use. The most economical way to get all three scores is Credit Check Total for $1 trial. Just be sure to cancel before the 7 days are up.

Ck is a good tool to keep up with alerts and inquiries and new accounts in near real time, but those scores are often as much as 100 points different than your true scores that are used to make credit decisions.

Re: Experian

Anonymous — Sat, 09 Sep 2017 18:30:14 GMT

So credit check would show the 3 scores that are used by the lenders?

Re: Experian

Anonymous — Sat, 09 Sep 2017 18:33:39 GMT

I'm not sure if I can even post this, since this is MyFICO's forum, but CreditCheck Total (CCT) is $1 for a 7-day trial period, then $29.95 after the trial period ends.

Personally, I prefer MyFICO for daily monitoring of FICO scores and CCT for random checks, when I cannot afford MyFICO.

EDIT: Looks like someone already responded with CCT. I was talking and forgot to hit post. LOL. Sorry for the repetitive answer.

Re: Experian

Sandman771 — Sat, 09 Sep 2017 18:32:49 GMT

Yes. I believe they are using FICO 8, not sure about the version. But it will give you a true score. you are also able to get a free annual report of all three bureaus if you are troubled by your score so that you can see what is truly in there.

Re: Experian

Anonymous — Sat, 09 Sep 2017 18:46:02 GMT

If your Experian FICO comes back over 640ish You could get an American Express card. American Express offers free monthly FICO8 scores based off Experian data.

Re: Experian

Anonymous — Sat, 09 Sep 2017 18:52:27 GMT

I got 3 amex cards a couple of weeks ago but it's not showing my fico yet

Re: Experian

Anonymous — Sat, 09 Sep 2017 19:06:05 GMT

Creditscorecard.com also gives a free FICO. Not sure it is always Experian, but mine is.

Re: Experian

Anonymous — Sat, 09 Sep 2017 19:07:45 GMT

@Anonymous wrote:
I got 3 amex cards a couple of weeks ago but it's not showing my fico yet

Also, the link to show my credit score does not show up for my corporate AMEX. It only shows up to the right of the page when I select my personal Blue Cash card.

Re: Experian

Anonymous — Sat, 09 Sep 2017 19:52:35 GMT

You can simply use the Experian app to get your FICO EX 08 for free, as well as your EX credit report.