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Experian

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Member

Experian

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
9 REPLIES 9
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Established Contributor

Re: Experian

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. 

Starting Score: EQ 497 TU 496 EX 499
Current Score: EQ 592 TU 580 EX 581
Goal Score: 700 Across the board


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Message 2 of 10
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Member

Re: Experian

So credit check would show the 3 scores that are used by the lenders?
Message 3 of 10
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Regular Contributor

Re: Experian

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. 

11-8-15: EQ-594 TU-599 EX-579
11-7-17: EQ-716 TU-722 EX-696
Message 4 of 10
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Established Contributor

Re: Experian

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. 

Starting Score: EQ 497 TU 496 EX 499
Current Score: EQ 592 TU 580 EX 581
Goal Score: 700 Across the board


Take the myFICO Fitness Challenge
Message 5 of 10
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Regular Contributor

Re: Experian

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.

Starting June 2017 EQ-629, TU-636, EX-637
Current as of May 2019 EQ-717, TU-707, EX-750
Goal for June 2020 EQ-740+, TU-740+, EX-740+

Message 6 of 10
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Member

Re: Experian

I got 3 amex cards a couple of weeks ago but it's not showing my fico yet
Message 7 of 10
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Regular Contributor

Re: Experian

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

 

Starting June 2017 EQ-629, TU-636, EX-637
Current as of May 2019 EQ-717, TU-707, EX-750
Goal for June 2020 EQ-740+, TU-740+, EX-740+

Message 8 of 10
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Regular Contributor

Re: Experian


@Newtothis89 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.

Starting June 2017 EQ-629, TU-636, EX-637
Current as of May 2019 EQ-717, TU-707, EX-750
Goal for June 2020 EQ-740+, TU-740+, EX-740+

Message 9 of 10
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Valued Member

Re: Experian

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

Starting Scores: TU: 598: EQ 542 EX: 604 (Aug 2015)
Current FICO Score: TU 08: 748 EQ 04: 754 EX 08 FICO: 768 as of 2/12/18
Goal Score: 760 FICO across the board



Message 10 of 10
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