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Is Experian the only CRA that gives you your actual FICO score for free?

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MileHigh96
Frequent Contributor

Is Experian the only CRA that gives you your actual FICO score for free?

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:
Message 1 of 22
21 REPLIES 21
Horseshoez
Senior Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@MileHigh96 wrote:

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.


Short answer; yes.

 

Regarding the EQ offer, I fell for that a couple of years ago and sorry to say, even if you pay for the subscription, they still only give you a Vantage 3.0 score.

 

As for EX, while they do provide FICO 8 for free, it is only one of twenty-eight FICO scores; admittedly not all of those scores are typically used by lenders, but you get the idea.  If you want the full spread of scores, you can sign up for a few introductory offers and get the scores once for free from say, credit.com's ExtraCredit offering, but beyond that you'll need to pay, and in the case of ExtraCredit, the monthly fee is $24.99.  I have heard of at least one other site which offers the first month free, but I honestly don't remember the URL, maybe someone else will chime in here and provide you with the link.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 2 of 22
AzCreditGuy
Established Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@Horseshoez wrote:

@MileHigh96 wrote:

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.


Short answer; yes.

 

Regarding the EQ offer, I fell for that a couple of years ago and sorry to say, even if you pay for the subscription, they still only give you a Vantage 3.0 score.

 

As for EX, while they do provide FICO 8 for free, it is only one of twenty-eight FICO scores; admittedly not all of those scores are typically used by lenders, but you get the idea.  If you want the full spread of scores, you can sign up for a few introductory offers and get the scores once for free from say, credit.com's ExtraCredit offering, but beyond that you'll need to pay, and in the case of ExtraCredit, the monthly fee is $24.99.  I have heard of at least one other site which offers the first month free, but I honestly don't remember the URL, maybe someone else will chime in here and provide you with the link.


Credit.com is very good and I feel much better than MyFico....As soon I canceled my membership with Myfico they deleted all my credit records that I had paid for...Never again with them

Message 3 of 22
MileHigh96
Frequent Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@Horseshoez wrote:

@MileHigh96 wrote:

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.


Short answer; yes.

 

Regarding the EQ offer, I fell for that a couple of years ago and sorry to say, even if you pay for the subscription, they still only give you a Vantage 3.0 score.

 

As for EX, while they do provide FICO 8 for free, it is only one of twenty-eight FICO scores; admittedly not all of those scores are typically used by lenders, but you get the idea.  If you want the full spread of scores, you can sign up for a few introductory offers and get the scores once for free from say, credit.com's ExtraCredit offering, but beyond that you'll need to pay, and in the case of ExtraCredit, the monthly fee is $24.99.  I have heard of at least one other site which offers the first month free, but I honestly don't remember the URL, maybe someone else will chime in here and provide you with the link.


EQ does have an offer for your FICO8 score.  They don't make it easy to find because I'm sure they would rather have you fall for the other services where you can only access your Vantage scores.  They call it Score Watch and it falls under their "premium" services and it will run you $14.95/month.  It can be found here:  https://www.equifax.com/personal/products/credit/score-watch-and-monitoring/

 

But $15 bucks a month is pricey just to access one single score.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:
Message 4 of 22
SouthJamaica
Mega Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@MileHigh96 wrote:

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.


I use, and like, Experian's 'IdentityWorks Plus' product for $9.99 month plus tax.

https://www.experian.com/consumer-products/compare-identity-theft-products.html#comparison-table

It gives you daily updating of your Experian credit report and 7 FICO scores based on EX data:  Classic 2 and 8, Auto 2 and 8, and Bankcard 2, 3, and 8.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 706 TU 714 EX 715

Message 5 of 22
Taurus22
Valued Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?

I know this isn't exactly what you're looking for, but regarding EQ scoring......Citi provides my EQ FICO8 each month with my Citi DC card. I would imagine they would also be doing this with other cards as well. This isn't a suggestion to run out and blindly grab a Citi card, but if you already have one on your radar, I'm just bringing it up FYI...

My Wallet
Sock Drawered

On Deck: No Plans Currently
Message 6 of 22
SouthJamaica
Mega Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@Taurus22 wrote:

I know this isn't exactly what you're looking for, but regarding EQ scoring......Citi provides my EQ FICO8 each month with my Citi DC card. I would imagine they would also be doing this with other cards as well. This isn't a suggestion to run out and blindly grab a Citi card, but if you already have one on your radar, I'm just bringing it up FYI...


Citi provides the Bankcard 8, not the Classic 8.


Total revolving limits 650200 (530700 reporting) FICO 8: EQ 706 TU 714 EX 715

Message 7 of 22
Horseshoez
Senior Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@MileHigh96 wrote:


EQ does have an offer for your FICO8 score.  They don't make it easy to find because I'm sure they would rather have you fall for the other services where you can only access your Vantage scores.  They call it Score Watch and it falls under their "premium" services and it will run you $14.95/month.  It can be found here:  https://www.equifax.com/personal/products/credit/score-watch-and-monitoring/

 

But $15 bucks a month is pricey just to access one single score.


Yeah, I'm aware of the various EQ and EX FICO for pay offers; I don't find any of them compelling, hence the fact I decided to opt for the ExtraCredit service for $25 per month.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 8 of 22
Taurus22
Valued Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@SouthJamaica wrote:

@Taurus22 wrote:

I know this isn't exactly what you're looking for, but regarding EQ scoring......Citi provides my EQ FICO8 each month with my Citi DC card. I would imagine they would also be doing this with other cards as well. This isn't a suggestion to run out and blindly grab a Citi card, but if you already have one on your radar, I'm just bringing it up FYI...


Citi provides the Bankcard 8, not the Classic 8.


Exactly. Not sure that it matters, not being Classic scoring. OP was just wanting options for current EQ scoring without having to pay for them. Bankcard 8 is what credit card lenders use, so it would be useful to them.

My Wallet
Sock Drawered

On Deck: No Plans Currently
Message 9 of 22
SPChaser
Established Contributor

Re: Is Experian the only CRA that gives you your actual FICO score for free?


@AzCreditGuy wrote:

@Horseshoez wrote:

@MileHigh96 wrote:

I have the Experian app on my phone and I have just the free service from them and on the app they give me my actual EXP FICO8 score.  I tried to check with EQ and they want you to sign up and pay to get your actual FICO score and TU seems to only want to give you your Vantage score which thanks to this forum I have discovered is absolutely worthless.  Plus I get those for free from Credit Karma anyway and TU actually wants to charge you for that privilege.

 

I checked with the three cards I have and one of them gives me my EXP FICO score as a benefit, but I have access to that one already.  Another card will give me my TU Vantage score, which is useless, and the third will give me my TU FICO8 score.  It seems the only one I cannot access without paying to access my own data is EQ.


Short answer; yes.

 

Regarding the EQ offer, I fell for that a couple of years ago and sorry to say, even if you pay for the subscription, they still only give you a Vantage 3.0 score.

 

As for EX, while they do provide FICO 8 for free, it is only one of twenty-eight FICO scores; admittedly not all of those scores are typically used by lenders, but you get the idea.  If you want the full spread of scores, you can sign up for a few introductory offers and get the scores once for free from say, credit.com's ExtraCredit offering, but beyond that you'll need to pay, and in the case of ExtraCredit, the monthly fee is $24.99.  I have heard of at least one other site which offers the first month free, but I honestly don't remember the URL, maybe someone else will chime in here and provide you with the link.


Credit.com is very good and I feel much better than MyFico....As soon I canceled my membership with Myfico they deleted all my credit records that I had paid for...Never again with them


Anyone else use credit.com that has an opinion on it? 

“Play the game, but don't believe in it“
Message 10 of 22
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