Experian Reviews and details

Social recommendations and mentions

• Using credit card, but carrying $0 statements

  Go to https://experian.com and create a free account. From here you can access your Experian credit report and Experian FICO 8 score. Very few lenders use Vantage scores in lending decisions. You both should be monitoring your FICO scores. FICO imposes a penalty for 0% aggregate utilization. She should allow at least one card to report a balance. If you aren't applying for a loan in the near future there is... Source: 5 months ago

• Almost there

  Most lenders use FICO scores in lending decisions. If you don’t know what that is, go to https://experian.com and create a free account. From here, you will have access to your Experian credit report and your FICO 8. Source: 5 months ago

• AT&T is destroying my 830 credit score

  I've just seen your edit. Are these Vantage scores from Credit Karma? If so, go to https://experian.com and create a free account. Once there, you'll have access to your Experian credit report and Experian FICO 8. What is your FICO 8 and has that changed as well? Source: 5 months ago

• Repossession on Credit Report, but I have no lines of credit outside of Cards?

  Check your credit reports. Get your free official credit reports from www.annualcreditreport.com, and if needed experian.com or Credit Karma (free also). Source: 5 months ago

• Is experianidworks.com a legit Experian website?

  If it redirected to some area of main experian.com site, it would be understandable as a brand name site created for easy to remember address. However, there are no such redirects, not even any links back to main experian.com . Source: 8 months ago

• Do you need a credit card to rent?

  You can set up a free account on experian.com to see what your FICO 8 score is - or to determine whether you have a score at all. Source: 10 months ago

• Stuck at 741 - Card Recommendation Please

  Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: 10 months ago

• Help me choose a second card before my score tanks because I'm going to pay off all my student loans, closing almost all my accounts

  Experian.com - create a free account, it's going to keep bugging you to update and pay a monthly fee, don't do it - will show you your Experian FICO score. Source: 10 months ago

• Car loan with no credit

  She should get experian.com free account and app. It take about 3-6 month to see any credit score... And it prob take about 1+ year for the score to just to stablize. Since the payment history is main thing.. ( how long she has been paying on time... Longer the better) She will be considered as... "thin profile" (Not enough information) for a while. Trying to BORROW money at this stage is VERY VERY Expensive. ... Source: 10 months ago

• Will opening another credit card increase my score?

  Experian.com try premium feature call fico score simulator. You can ask questions like can I be 720 in 6 months? if it is possible the app will tell you the steps to take. Making ontime payments for XX months are tyical suggestion, but the experian app pull your report and give suggestion based on your profile, I used it to go from 760 >> 780 >> 800. Source: 10 months ago

• Confusion on Bank of America card recommending service.

  Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: 10 months ago

• Credit Karma

  Get a free experian.com account. You can see your experian FICO score. Source: 10 months ago

• 530 to 745 in 18 months

  You should ignore those VS3 scores, as essentially no lenders are going to use them in lending decisions. Just because a score (probably a Fico Auto version) was within 5 points of your VS3 doesn't mean you can rely on that being the case at all times. The next time you checked there could be a 100 point variance between those scores. I would suggest just tracking the Fico score(s) you have access to, like the... Source: 10 months ago

• How long does a hard inquiry (Chase) take to show up on credit score?

  Use experian.com it's free or cap1 has creditwise for vantage Amex also shows scores and other info or if you really want to see if you got an inquiry you could always go to annualcreditreport.com. Source: 10 months ago

• My father opened a credit account when I was little and I didn’t know until recently

  Get experian.com app and myfico.com app. Get free acount so you get the alert. Source: 11 months ago

• Fico 8 vs Vantage 3?

  If you want to know your FICO scores at all three credit bureaus, you can do so by paying a fee at myfico.com or experian.com, or using a free trial. Source: 11 months ago

• CSP Approval odds with tricky credit history

  FICO scores - looked in experian.com and its listed as 749 (Fico 8). Cross verified it with discover.com and it lists it as 755 (but it says it got that from TU). Another intersting this is experian.com is showing my credit limit as 10k. I checked at annualcreditreport.com (i know this is not FICO but still) and all of them are showing my credit line as 10k. I believe this is me being due to an authorizied user on... Source: 11 months ago

• Refinancing Private Student Loan?

  Experian.com get free account and see the reason. Source: 11 months ago

• Almost 24, know nothing about credit. Where to start?

  # monitor your score. Free account experian.com they have an app also. Source: 11 months ago

• Advice please

  Always lock your credit with pin. And monitor activity... experian.com free account and app... myfico.com free account. Source: 11 months ago

• Zero Credit

  Monitor your credit score. you will have a score posting in about 3- 6 month. experian.com sign up for free account and app. Source: 12 months ago