@newhis wrote:
@Anonymous wrote:I apologize, but I got kinda lost in that discussion. Is there a single one stop shop that will give me both a free Experian credit report (once per month) and a free Experian FICO 8 score (also once per month)?
I know of two separate places I can get each, but it might be nice to have both at one place, especially for a beginner.
freecreditscore will give you EX report and FICO 08 score, once a month.
EDIT: the problem is that if you already have a freecreditreport or experian.com account that gives you a free report, then you will not be able to get a new account with them. I read in a blog a way to 'delete' the current account and get access to freecreditscore.
This is right, and the authentication system with EX is a confusing mess as you intimate: actually the Discover creditscorecard is also a partnership with Experian, and yup, you guessed it, has the same sort of authentication fun.
I didn't see it mentioned here but it also has a monitoring solution: namely, I've taken two inquiries on EX recently, one with Chase, and one with First Tech CU, and both reported in about a minute; also it did catch when the lien got put back on. Top shelf so far monitoring solution, the First Tech will be a new tradeline but I suspect it'll catch that just fine too. And it's all free.
I'm actually really happy with the freebie EX service: that's really the only bureau I care about outside a mortgage or maybe car loan, and CK is good enough for the other two. I don't think the Discover one has the full monitoring solution and I think there you get a presentation of the data rather than an actual report? The free EX one is miles better than anything else except CK as far as free services go in my opinion.
When I'm talking long term credit monitoring whenever I find something else to do with my time than this hobby, I probably just use that + CK and I'm basically done.
