Credit Card News
Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » News » Other » FICO Scores Come to Experian.com

FICO Scores Come to Experian.com

Add to Favorites:
FICO Scores Come to Experian.com
January
9

FICO scores are everywhere these days, with more and more card issuers, banks, and credit unions offering them to cardholders free of charge, and the federal government calling for greater consumer access. Now there’s another place to get you FICO score, not quite for free, but close.

For a $1 fee (plus a few cents in applicable taxes), you can order a copy of your credit report and get access to your FICO score from Experian.com. Credit scores are important because potential lenders use them when determining eligibility for credit cards, auto loans, mortgages and other types of loans. A higher credit score translates to a lower interest rate on a loan, mortgage or credit card, so keeping an eye on your FICO score is a wise move.

FICO scores range from 300 to 850, and are calculated using information about your payment history, debt to credit ratio, length of credit history, types of credit, and the amount of new credit you have. FICO estimates that 90% of credit decisions by lenders are based on consumers’ FICO scores. “People who know their FICO scores are in the driver’s seat when it comes to understanding credit and obtaining the best terms for themselves,” said FICO vice president Jim Wehmann.

Trial memberships come with score

People who go to Experian.com for their credit report and FICO score will also get a package of educational information and a list of resources to help them understand their credit score. Personalized information will include a listing of factors influencing their score and a credit timeline showing changes in the score. People can access the materials on their laptop, mobile phone, tablet, or any other web-enabled device.

When entering personal information in order to get the FICO score, credit report, and additional materials, people will be prompted to enter their credit or debit card information to cover the $1 charge.

They will also be automatically enrolled in the Experian Credit Tracker program, which costs $19.95 per month. The program alerts consumers when negative information is added to their credit report and keeps them informed of their credit score and status throughout the year. Folks will be given a free seven-day trial membership to Experian Credit Tracker, during which they can cancel and not be charged anything beyond the $1 plus taxes for the credit score and report. After that seven-day period, they will be automatically charged for membership each month.

Add to Favorites:

Related News:

Free Fico Scores for Citi Credit Card Customers

By Dar Dowling, Posted: January 26, 2015

Last year Citi announced they would be giving its consumer credit cardholders free access to their FICO scores, and this month they are delivering on that promise. FICO scores have been uploaded to online accounts and will be updated ... Continue reading
Free FICO Scores for Chase Slate Cardholders

By Dar Dowling, Posted: April 03, 2015

FICO announced that JP Morgan Chase has joined their Score Open Access program, and will begin offering Slate credit cardholders access to their FICO scores for free. Continue reading
Free FICO Scores for Commerce Bank Customers

By Elizabeth Nelson, Posted: May 21, 2015

Folks who bank with Commerce Bank now have an easy way to keep tabs on their credit ratings. FICO, a leading provider of credit scores, has partnered with the bank to offer free FICO scores to customers on their monthly statements. Continue reading
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
1% cash back on select purchases, terms apply
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit