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Experian CreditWorks Premium

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spiritcraft1
Valued Contributor

Re: Experian CreditWorks Premium


@Anonymous wrote:

@spiritcraft1 You may have done the $4.99 one month trial that is offered. Experian offers both trials, for some reason. 


@spiritcraft1

@BrutalBodyShots

Mine seems to be going on for a month...  I still have 13 days until I can pull another 3b. 

 

 


 


Yes, I did do the $4.99 deal.  I will try to see what they offer if I call and threaten to quit but I will likely keep this for a year since I need monitoring as I enter the next stage or rebuilding, defending etc.  It seems to work well.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 21 of 34
Anonymous
Not applicable

Re: Experian CreditWorks Premium

What's the difference between the $1 trial and the $4.99 one?

Message 22 of 34
Anonymous
Not applicable

Re: Experian CreditWorks Premium

As far as I can tell, just 30 days versus ten days of EX scores. You only get the 3B once for either trial, as it's a 30 day refresh for those.
Message 23 of 34
Queen_Etherea
Valued Contributor

Re: Experian CreditWorks Premium

The Experian site is kind of confusing. Have you tried looking under the Archived Reports under the "Reports and Scores" tab and then click on "Credit Reports". Maybe it DID pull it for you and you can look at it there? It'll say "3 Bureau Report + FICO Score + Added Versions"

 

I love that I can check my Experian score daily, but the site needs a little work. I don't much care for the layout. I do love the app, though! I check it every morning while I have my coffee.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 24 of 34
spiritcraft1
Valued Contributor

Re: Experian CreditWorks Premium


@Queen_Etherea wrote:

The Experian site is kind of confusing. Have you tried looking under the Archived Reports under the "Reports and Scores" tab and then click on "Credit Reports". Maybe it DID pull it for you and you can look at it there? It'll say "3 Bureau Report + FICO Score + Added Versions"

 

I love that I can check my Experian score daily, but the site needs a little work. I don't much care for the layout. I do love the app, though! I check it every morning while I have my coffee.


Same thoughts.  And that archived reports drop down is perhaps a bit hidden on purpose. Smiley Happy  I actually print each 3b to pdf and save it for my records and yes, the daily EX is great.  That is my lowest score so right now, seeing any changes is helpful.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 25 of 34
Anonymous
Not applicable

Re: Experian CreditWorks Premium

I've looked at the drop down menu and only see the EX reports. I am a bit stumped on why it kept offering me the 3B pull but then it never succeeded. Oh, well. I figure I'll give it another try for the trial soon and if it still doesn't work I'll stick to CCT. I like the additional EX scores as I'm gearing up for a mortgage app, but EX is my cleanest bureau (my old student loans that were rehabbed are still showing on the other two with the lates from 5 years ago, while EX deleted them all) so knowing that mortgage score isn't super helpful. I really want to know my others but the $30 for a single pull from here is hard to stomach. 

Message 26 of 34
Anonymous
Not applicable

Re: Experian CreditWorks Premium

So with the $1 trial you get all 3 FICO 8 scores and the rest of the scores you get (auto, mortgage, etc) are only EX based scores, am I understanding that correctly?
Message 27 of 34
Anonymous
Not applicable

Re: Experian CreditWorks Premium


@Anonymous wrote:
So with the $1 trial you get all 3 FICO 8 scores and the rest of the scores you get (auto, mortgage, etc) are only EX based scores, am I understanding that correctly?

I paid $4.99 for the 30-day trial, but to answer your question: Yes. 

Message 28 of 34
Queen_Etherea
Valued Contributor

Re: Experian CreditWorks Premium


@spiritcraft1 wrote:

@Queen_Etherea wrote:

The Experian site is kind of confusing. Have you tried looking under the Archived Reports under the "Reports and Scores" tab and then click on "Credit Reports". Maybe it DID pull it for you and you can look at it there? It'll say "3 Bureau Report + FICO Score + Added Versions"

 

I love that I can check my Experian score daily, but the site needs a little work. I don't much care for the layout. I do love the app, though! I check it every morning while I have my coffee.


Same thoughts.  And that archived reports drop down is perhaps a bit hidden on purpose. Smiley Happy  I actually print each 3b to pdf and save it for my records and yes, the daily EX is great.  That is my lowest score so right now, seeing any changes is helpful.


That's a good idea! I like to be able to go back and see what my previous scores were with TU and EQ. EX is actually my best score atm with 693. TU has been my best since April when I first started caring about my credit. They deleted all my bad stuff 6 months early, so they were my cleanest. I don't know why EX is in the lead now. I have more inquiries on my EX report than all my others! Seems like lenders like to pull EX here in Southern California.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 29 of 34
Queen_Etherea
Valued Contributor

Re: Experian CreditWorks Premium


@Anonymous wrote:

I've looked at the drop down menu and only see the EX reports. I am a bit stumped on why it kept offering me the 3B pull but then it never succeeded. Oh, well. I figure I'll give it another try for the trial soon and if it still doesn't work I'll stick to CCT. I like the additional EX scores as I'm gearing up for a mortgage app, but EX is my cleanest bureau (my old student loans that were rehabbed are still showing on the other two with the lates from 5 years ago, while EX deleted them all) so knowing that mortgage score isn't super helpful. I really want to know my others but the $30 for a single pull from here is hard to stomach. 


Ugh that's frustating! I would honestly call them. You won't be on hold for that long and it's worth seeing all your scores (that you paid for)!

 

EQ would be my cleanest, but like you, they are reporting a bunch of late payments from my old rehabbed student loan as well. There's a bunch of 120+ day lates from 2012 that are scheduled to fall off in Nov/Dec. My EQ score is like 20 points lower than the other 2 because of this. I have a paid medical collection (only $80) on EX and TU that never reported to EQ, so I'm guessing that one will be the highest when the lates fall off. Funny, because EQ has ALWAYS been my worst CRA.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 30 of 34
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