topic Re: Experien credit report in General Credit Topics

Experien credit report

razzy116 — Sat, 13 Jun 2020 03:38:02 GMT

I just got a alert on 6/12/20 that my Experien.com credit report score went up to 647 on Experien.com, on Myfico the score say 618, when does Myfico update. Thank you and be safe

Re: Experien credit report

Anonymous — Sat, 13 Jun 2020 08:50:54 GMT

FICO Not necessarily will update.

usually Experian shows vantage score to free reports and that is most of the time different than FICO

Re: Experien credit report

Anonymous — Sat, 13 Jun 2020 10:54:57 GMT

@Anonymous wrote:
FICO Not necessarily will update.
usually Experian shows vantage score to free reports and that is most of the time different than FICO

@Anonymous That is completely inaccurate. There is no version of Experian credit scoring that uses VantageScore.

If the OP has the free version of Experian credit scoring they will be notified at every change in their Experian FICO 8 score and will be able to pull an Experian credit report and Experian FICO 8 score once per month.

If the OP has a paid subscription to Experian, they can pull their Experian FICO 8 score daily and a "three bureau" score and report either monthly or annually depending on the subscription version. But in no instance does Experian show a VantageScore.

What the OP is observing is the normal delay in MyFICO updating and alerting them to the change in their Experian score. Typically MyFICO reporting lags behind Experian by one day.

Re: Experien credit report

Rebuild2019 — Sat, 13 Jun 2020 11:22:11 GMT

I agree with @Anonymous. My Experian updates and myFICO lags behind a couple of day’s.

Re: Experien credit report

Trudy — Sat, 13 Jun 2020 17:08:56 GMT

Usually within 1 - 3 days but that's not written in stone. Most find EX8 the 1st to trigger an alert on myFICO where TU8 is often the last. I have the EX subscription and get updates days before I receive an alert from myFICO. But if you need to pull a report, if it shows up on EX it will show up on the report. It's just the alerts that can be delayed.