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Jan 14 2020

Can i get my fico score for free $ Video

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Can i get my fico score for free

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Where can I get my FICO® scores from Experian?

In a Nutshell

We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.

If you’re a Credit Karma member, you may already know that you can get your free VantageScore 3.0 credit scores from TransUnion and Equifax on Credit Karma.

But we don’t offer every type of credit score. One question we get a lot is, “Where can I get my FICO® score from Experian?”

VantageScore and FICO offer different credit scoring models. Both are widely used in lending decisions but were developed by different entities and use different models to determine your credit scores.

TransUnion and Equifax are two of the three major consumer credit bureaus generating your credit reports, and Experian is the third. VantageScore and FICO use their scoring models to turn your credit reports into credit scores. So it makes sense that you’d want to know where you stack up with all three credit bureaus.

That’s why knowing your FICO® scores from Experian, along with your other credit scores, can help you get a fuller picture of your credit.

So where can I get my FICO® scores from Experian?

According to the Fair Credit Reporting Act, you have the right to get your credit scores from each of the three major consumer credit bureaus. Unfortunately, it doesn’t give you the right to get your scores for free. Each of the bureaus is allowed to charge a reasonable fee for your scores.

With that in mind, here are some options for accessing your FICO® scores from Experian.

Checking your FICO® scores via Experian

If you create an account with Experian, you can check your credit report for updates every 30 days when signing in. As of June 2018, Experian doesn’t charge for this service — but it doesn’t include access to your FICO® scores.

Your credit scores are based on information in your credit reports, so checking your Experian® credit report can help give you an idea of how your scores might look. But if you want to see your FICO® scores from Experian, you may have to pay for access.

To view your FICO® scores via Experian, you can sign up for Experian CreditWorks℠ Premium. This service also allows you to see your FICO® scores from the other two major credit bureaus and offers other tools for better understanding your credit. As of June 2018, Experian CreditWorks℠ Premium charges $4.99 for the first month of access, and then $24.99 for each additional month.

Experian provides a free alternative for checking your FICO® score: freecreditscore.com. The Experian-owned and -operated service allows you to check your Experian credit report and FICO® score, based on the FICO® Score 8 model, every 30 days when signing in, though it may try to sell you additional services for a fee.

Checking your FICO® scores from Experian via FICO

You can also access your FICO® scores from Experian via myFICO.com.

You can sign up to access your monthly FICO® scores and reports from all three major consumer credit bureaus ($39.95/month) or you can opt to receive just your FICO® scores and report from Experian ($19.95/month). Both products also include tools for tracking and monitoring your credit. The site also provides other options, such as one-time access to your FICO® scores and reports from the three major credit bureaus ($59.85).

Checking your FICO® scores from Experian via a third party

Don’t want to pay or jump through hoops to see your FICO® scores from Experian? You may be in luck, depending on which credit card company you do business with.

Back in 2014, the Consumer Financial Protection Bureau called on top credit card companies to make credit scores free to consumers. Many credit card companies heeded the call, including American Express and Discover.

  • American Express: American Express card members receive free online access to their FICO® score based on their Experian credit report.
  • Discover: Discover’s Credit Scorecard provides card members their FICO® score based on their Experian credit report.

Other credit card companies may offer different types of credit scores for free to their card members. Bank of America, for example, offers eligible card members free access to their FICO® score based on their credit report from TransUnion. Chase, on the other hand, offers card members free access to their VantageScore 3.0 credit score based on their credit report from TransUnion.

Will checking my FICO® scores from Experian hurt my credit?

Generally, no. Checking your own credit is generally considered a soft inquiry, meaning it won’t have a negative impact on your credit.

This is true when you check your VantageScore 3.0 credit scores from TransUnion and Equifax via Credit Karma, and it’s typically true when you check your FICO® scores from Experian via other services.

Even so, you’ll want to check the specific language in the terms and conditions whenever you use another service to check your credit scores or credit reports.

Bottom line

Though using credit and sifting through all the possible types of credit scores can be daunting, the good news is that it’s becoming easier to access information that can help keep you at the top of your credit game.

Take advantage of opportunities to review your credit reports and credit scores regularly. We recommend Credit Karma as your first stop, but if you want additional insights into your credit (or if you’re simply curious about how your FICO® scores from Experian compare with your other credit scores), it’s not a bad idea to look around.

For more information on VantageScores, read our articles explaining VantageScore 3.0 and the newer VantageScore 4.0. And if you’re interested in learning how to build credit over time, check out the Credit Karma Guide to Building Credit.

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SOURCE: http://www.creditkarma.com/advice/i/experian-fico-score/

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