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Q: I need to get my Experian FICO score but I am not sure where to go. Preferably, I would like to get this score for free!
A: Unfortunately, Experian no longer offers their FICO scores to the public. This means that you cannot obtain your Experian FICO score; only banks and other lenders can see these scores. The score that Experian offers to consumers is called a PLUS score. This and other scores that are not FICO scores are often referred to as “FAKO” scores. The credit scores you can receive on the credit bureaus’ websites with a free trial are FAKO scores.
You can still receive your Equifax and TransUnion FICO scores. FICO scores can only be obtained from a limited number of places, one of which is MyFico. Currently, they are offering it for free along with a trial in their credit score monitoring program. Be sure to cancel before the trial period is over, or you will be charged for this service. A couple of credit unions are also offering your FICO score for free or cheap, but most still do not. Most places offer FAKO scores.
For free credit reports, you can go to annualcreditreport.com. This will show you what items are affecting your score, though it will not contain your actual score. You can use this to check each of the three reports for free once every year and ensure they are accurate.