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Months ago I opened a Credit Karma account but there was no score available because my file was too "thin", I kept checking and nothing showed up, so I tried freecreditscore.com. There I could see my Experian score, but still nothing on Credit Karma, so I contacted them... instead of solving my problem they made it worse and they told me my identity couldn't be verified. After that, when I tried logging in it wouldn't let me, so I got fed up and deleted my Credit Karma account. So now, I have to wait 6 months to open an account with them again.
Is there a website where I can see all my 3 credit scores for free? Right now I'm using freecreditscore.com, which provides Experian, Wells Fargo gives you another score, but I'm not sure which one it is, and also Discover provides Experian? for free (even withouth having a CC with them).
How long have you had credit? If your file is too thin you may not be able to generate a score; it may not be a CK thing but merely the fact that you don't have enough history yet.
While it's not completely free, I suggest a $1.00 trial membership at Credit Check Total. That's all it costs to get all 3 of your FICO 08's and access to those 3B reports. Right after you start the trial, call up on their automated system and cancel it. It only takes 2 minutes.
Thanks, will do!
I know, I thought maybe I didn't have enough credit history but Experian did show my true FICO 8 score, whereas CK showed nothing. So I contacted them and they made the problem worse because they blocked my account for whatever reason, I didn't want their BS so I just deleted it
Gotcha, evidently Vantagescore 3.0 can't generate you a score with history as limited as they have for you. If you were able to get one FICO 08, chances are you can get all 3 just fine with the $1 CCT trial.
fast3creditscores ARE NOT FICO SCORES they are FAKO'S
@Anonymous wrote:
Are you are? They're right on the dot with the score I got from Experian. Just got lucky I guess.
"Your credit scores are provided by CreditXpert, Inc. and indicate your relative credit risk level for educational purposes. They may vary between bureaus and are not the scores used by lenders. Your scores may not be identical or similar to scores you receive directly from credit agencies or other sources."
Not FICO. Not even Vantage. Meaningless.
@iv wrote:
@Anonymous wrote:
Are you are? They're right on the dot with the score I got from Experian. Just got lucky I guess."Your credit scores are provided by CreditXpert, Inc. and indicate your relative credit risk level for educational purposes. They may vary between bureaus and are not the scores used by lenders. Your scores may not be identical or similar to scores you receive directly from credit agencies or other sources."
Not FICO. Not even Vantage. Meaningless.
From what I have read many service providers that include CreditXpert scores as part of their offering are affiliated and are managed by the same parent (ScoreSense). The parent has a reputation for misleading consumers and putting "unauthorized" charges on credit cards. Dropping a "free trial" service within the "trial period" can be quite difficult. There have been some class action lawsuits regarding unauthorized charges. Trilegiant Corporation, the parent of Fast3creditscores, has been subject to similar complaints and class action filings.
Some links relating to these issues are provided below
https://trilegiant.pissedconsumer.com/
http://www.complaintslist.com/credit-services/score-sense/
Note: CreditXpert is an independent company that offers an educational credit score to client companies. It is not a service provider.