Latest responses to “How To Get A Free Experian FICO Credit Score” Copyright 2013, MoneyBlueBook.com 162857723 2013-01-10T18:27:08-08:00 Greg G I got my car loan from psecu I had to join a parks association for 5 bucks, this allowed me to get an account and thus my auto loan. Unfortunately it is the TU Fico classic 04 score that is my mid score and it does not seem to correlate to anything I can get my hands on. This is what my mortgage lender is looking at! I need TU to be 620. Psecu say my experian Fico is 675 I don't know what Fico model Psecu uses but as you can see it is not what my lender got! 684 XPN FairIsaac (V2), 612 TU FICORiskScoreClassic04, 592 EFX FACTABeacon5.0 469510 2011-02-27T18:20:47-08:00 fcmoney.com did you have any other source when consumer can find fico credit score without actually applying for any credit or extension of a credit? 424090 2010-12-07T13:57:51-08:00 Aida I don't think this is right, so much for the FAIR Credit Reporting Act. Everyone should have access to all 3 credit scores and reports. The fact that Experian can sell this information to lenders, yet now allow consumers to access their own information isn't right. Since credit scores are so important in making big financial decisions, we should be able to access them, even if it is at a fee. 424080 2010-11-01T12:57:06-07:00 howard sobel i belong to my fico but havnt received a score watch or any other report for months. now i find out that experian no longer is associated with my fico. what can i do to continue to receive score watch OR OTHER SIMILAR reports? 424060 2010-04-12T00:27:47-07:00 JC, San Diego, CA Here we are, nearly 14 months since Experian stopped allowing consumers direct access to their FICO score via myfico.com, and nothing has changed. I care nothing about other non-FICO-based scores, or FAKOs as they're often called on chat forums, since hardly any credit decision-makers actually use them. C'mon Experian, get off the FAKO can and get back on the FICO stick! Also, regarding myfico.com's offerings...their TransUnion FICO score's consumer offering is woefully outdated; utilizing the FICO '98 classic scoring model rather than the more widely used FICO '04 model, as Equifax utilizes for myfico scores (and Experian once used). C'mon TransUnion and myfico.com, update the TransUnion FICO to the '04 version, so we have something only mildly archaic (FICO 08 is out but still an infant in utilization). 424070 2009-11-23T12:38:05-08:00 Sky113 Herculano Fecteau, I completely agree with you, I don't understand how they are even allowed to do this. Fine if they stop providing FICO scores to consumers then they should not be allowed to provide this score to the banks and or other lending institutions. They should then close their doors and leave us with the two other companies, but we all know thats not going to happen. Did you get a response from the representatives in the U.S. House and Senate? 424000 2009-07-26T05:48:26-07:00 Herculano Fecteau I'm not willing to be as passive as other folks here who have "registered their disappointment" and who "hope" that Experian and FICO will "work things out". I'm ticked off royally that this company has decided to deny me access to information about my own creditworthiness while continuing to relay that same information to present and potential creditors. I think it's time that Experian wakes up and smells the coffee -- the Obama administration has already passed some legislation to protect consumers from (some, not enough) credit card abuses, and people in general throughout the nation are fed up and demanding more protection from banks, mortgage and insurance companies, and from the rest of the billionaire bright boys who got us into the current mess. I'm going to contact my representatives in the U.S. House and Senate and pressure them to write and pass new legislation requiring Experian to provide scores to those willing to pay for them -- if what they've done isn't illegal already, we can work to make it illegal. (The legislation should require this, in fact, from all three agencies -- what's to stop the other two, as it stands right now, from trying to do the same thing?) I'll also ask that they include provisions that the three credit reporting agencies provide Americans with free annual scores, as well as free annual credit reports. And since I was at myFICO's website today, wanting to purchase my three reports and scores, I may as wel contact them, by phone and e-mail, and let them know that I won't be doing business with them anymore either, since their products no longer can provide me with a complete and accurate picture of my credit standing. You know damn well that if they realize they're going to start losing money, they might ramp up their own lobbying to put pressure on Congress to do something about Experian. I'm mad as hell and I'm not going to take it anymore. 424040 2009-04-19T13:21:15-07:00 Raymond Debt Goal, Hmmm...I think you posted this particular comment on the wrong blog post. Are you referring to one my later posts reviewing the top personal finance books? 424030 2009-04-17T17:39:51-07:00 DebtGoal This is a lengthy list of books. Is one of them particularly helpful to people that have existing debt, and now want to optimize (and speed up) their debt elimination process? 424020 2009-03-31T02:08:32-07:00 Raymond That's interesting...hmm..I actually had no idea that Experian was actually an Irish company...I had always sort of assumed they were an American institution. Well, if they are operating businesses in the United States then they are usually required to follow all appropriate U.S. laws and regulations. Not much of a negotiable gray area here... But you are correct when pointing out that Experian executives themselves would never dare make any significant risk based credit decisions without having before them all necessary data. Some have even suggested that this is all a giant conspiracy between Experian and its major lending partners to withhold this key Experian FICO score data from consumers to skew loan and mortgage negotiations against consumers in favor of big businesses...but it's probably just one of those random theories.. I really hope Experian reconsiders and ultimately decides to work something out with MyFICO...