Your Experian credit score and report will no longer be available through myFICO, but there are ways to retrieve the scores you need!
If you’re looking to pick up an Experian FICO credit score, it’s no longer easily available. Experian, which is one of the three national credit bureaus, has discontinued the sale of its FICO scores to consumers. So what options do you have? Here are some suggestions.
1. Pick up other FICO scores instead.
With our myFICO promotional discount codes, other FICO scores are available at 20% off. These FICO scores from Equifax and TransUnion are available through these products:
myFICO Credit Scores and Reports: 20% Off
| myFICO Product | Promotional Code | Price | |
|---|---|---|---|
| FICO Standard: Equifax | Discount Code for 20% Off is Automatically Applied |
|
Get Discount |
| FICO Standard: TransUnion | Discount Code for 20% Off is Automatically Applied |
|
Get Discount |
You may still obtain myFICO credit scores from the other credit bureaus: TransUnion and Equifax. You’ll get 20% off from the regular price for each score and report, with the discount applied immediately after purchase. The price is $12.76 through our order links.
Here are other products that are available from myFICO:
- Suze Orman’s FICO Kit Platinum: You’ll receive FICO scores and reports from Equifax and TransUnion plus personalized advice on home or car buying, as well as information on how to eliminate your credit card debt. You’ll get 20% off if you order through this link and use the promo code: SUZEFKP (Discount is automatically applied upon purchase). Price: $39.96 instead of $49.95.
- FICO Score Watch: This service monitors your Equifax FICO score and credit report for any changes. You’ll receive 2 FICO scores and reports per year through Equifax. You can sign up for a free 30 day trial using this link. Price: $8.95 monthly after the trial is over.
- FICO Quarterly Monitoring: This service tracks your TransUnion FICO score and credit report. You’ll receive 4 FICO scores and reports per year through TransUnion. You can sign up for it here. Price: $4.95 per month or $49.95 per year (16% off the monthly price).
2. Consider custom Experian credit scores (non-FICO).
There are other places where you can get an Experian credit score, but there are caveats. You can still receive proprietary Experian scores through certain avenues. Other options include signing up to free trial memberships at certain sites like Credit Check Total, Triple Advantage (freecreditreport.com) and FreeCreditReports360, but be sure that you are aware of the fine print: you’ll be charged a monthly fee for the scores, reports and credit monitoring service unless you cancel your free trial membership within 9 days of enrolling (the trial membership lasts 7 days, while it takes 2 days to set up).
3. Do business with a financial institution offering Experian FICO credit scores.
If you’re only interested in your Experian FICO credit score, then with a little bit more work and luck, you may still get your hands on it. For instance, you can obtain your score from your lender, if you so happen to be applying for a big loan. But watch out! When your lender gets your information this way, it constitutes a hard credit check that can affect your score temporarily. Or you may decide to become a customer at certain credit unions or banks that offer Experian FICO scores. But that list is quite short. Right now, only the Pennsylvania State Employees Credit Union (PSECU) is known to have a relationship with Experian that allows this benefit.
Consumer Reactions To Changes At Experian
I checked out the myFICO forums to see how people are reacting to the Experian news. Here’s what some consumers are planning to do going forward to manage their credit profile.
- Most people are making do with credit scores from TransUnion and Equifax.
- Some consumers are going to freeze their Experian report. For those who live in areas where Experian isn’t widely used, the impact may be minimal.
- Some are mulling over the possibility of getting their scores directly from Experian, although these are proprietary, and NOT FICO based.
- Some will still be able to receive Experian scores through other means such as being a member of certain credit unions, banks (WaMu / JPMorgan Chase) or select financial programs that offer these scores directly to customers.
- Some will make do with accessing their free Experian credit report information via annualcreditreport.com. Note that credit scores are not offered here.
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{ 9 comments… read them below or add one }
Well, that sucks! Might be a good idea to check my husband’s score one last time before they take it away. Since my own score is over 800, I feel it’s pretty moot to be fussing over a couple points when a person’s that high.
Experian was actually my favorite of the big three. There record was clear and detailed.
In my experience, Experian was always the least accurate of the three reports. They were also the least helpful when my identity was stolen.
That’s a loss for consumers and as you say we lose a bit of transparency. I am not sure what triggered this move, but I’d be interested to know if someone has any ideas.
It should be illegal for Experian to do this. I thought Congress was tightening up on the credit bureaus instead of loosening up like this.
Experian has always been the worst of the 3 major credit bureaus. My local credit bureau,Credit Bureau of Nashville (in Tennessee) and other cities use their scores, and their scores are always the worst and their credit reports full of errors. It is a poorly mismanaged company.
I’m glad I found out. I plan to specifically ask lenders if they use Experian from now on, and if they do, I will go to another lender.
I don’t really see how this works…Experian owns and operates FreeCreditReport.com which is a consumer facing website. They have been absolutely DUMPING advertising dollars into that brand. It would be foolish to be spending all that money on a consumer facing product and then pulling it away…even if you were cutting your advertising spend. I find this hard to entirely believe.
Financial institutions will give you a copy of your credit report when you apply for a loan. Just ask for it. The problem isn’t Experian but the credit card companies that demand higher monthly payments or cut your credit limit. Each consumer can get a free credit report once a year from each credit reporting agency. It won’t have a score but will show if any current lates are reported and you can calculate the % of your limit you’re using by dividing the limit by the balance.
I wonder if they decided to do this because of the new FICO 08 system? We’re already stressing out about how the new criteria will affect us, and now we have one less resource for our score…that’s just great. But as you point out, there are alternatives out there that might help make up for it.
“Pick up an Experian credit score (if you haven’t already) over the next few days before it’s gone.” Now that it is, it’s still a good idea to keep up with and track your credit score — with or without Experian in the mix.