Where To Get Soft Pull Experian Vantagescore 4.0?

[Anonymous]

I'm considering a possible refi on my car loan with my CU, and after speaking with a loan rep I learned they have just switched to VS 4.0 Experian score. Problem is I want to know mine before doing a HP and seeing the rate result. My 3.0 is coming in at 693 - but I have no idea if that's any kind of indicator of what a 4.0 looks like. I looked at my Experian account, but no option there. I tried Credit.com but that is just a 3.0, and my Care Credit uses Transunion VS. 

Does anyone know of a legit source for obtaining my Experian 4.0 VS score with a softpull?

[chiefone4u]

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@Anonymous wrote:

I'm considering a possible refi on my car loan with my CU, and after speaking with a loan rep I learned they have just switched to VS 4.0 Experian score. Problem is I want to know mine before doing a HP and seeing the rate result. My 3.0 is coming in at 693 - but I have no idea if that's any kind of indicator of what a 4.0 looks like. I looked at my Experian account, but no option there. I tried Credit.com but that is just a 3.0, and my Care Credit uses Transunion VS. 

Does anyone know of a legit source for obtaining my Experian 4.0 VS score with a softpull?

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Synchrony is the only place I can think of that offers free VS4.0 scores. Looking around Google I can't even find a place to buy the 4.0 score.

According to Vantage (https://your.vantagescore.com/where-to-go ) the scores will be nearly identical across all Credit Reporting Companies. 

If there isn't anything different between TU and EX you should in theory have the same score. 

[blindambition]

The only Experian Vantage scores that are given are 3.0. Chase Credit Journey comes to mind. Synchrony is the only lender I know that uses the TU 4.0 flavor.

[Anonymous]

Ok, thanks! So I should be safe using my TU Vantage 4.0 as a guide getting it through Synchrony Care Credit? I don't have any other Synchrony accounts.

[blindambition]

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@Anonymous wrote:

Ok, thanks! So I should be safe using my TU Vantage 4.0 as a guide getting it through Synchrony Care Credit? I don't have any other Synchrony accounts.

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If your Experian and TU don't vary greatly, then yes. Remember slight variations like differing inquiries might change scores slightly.

[Anonymous]

Ok. I checked the Synchrony and it shows VS 704 - so I'll work with assumption that my Experian is close to that. **bleep** countless "scoring" models.

Thanks for all the help! 

[Anonymous]

Yeah I was thinking about that we don’t have a source for that score for EQ or Experian I’m aware of.