3-4 times a year you can supplement that with the $1 trial at CCT. You can get a free FICO 8 score and report at Experian each month here:Īnd you can track your general trends and improvement at Karma for free. Getting your initial FICO scores (once eligible) can be done with the $1 trial at CCT.īeyond that you'll need to think through what you want a credit monitoring service for. As you observe you will need an account that is at least six months old. There is no way to rush becoming eligible for a true FICO score. They are designed for educational purposes to help you understand your credit. Your CreditXpert® Scores™, although different from the scores lenders use, are intended to reflect common credit scoring practices. CreditXpert scores are based on the data contained in each of your credit reports, so they can provide a quick and accurate assessment of the strength of each of your credit files. PrivacyGuard provides members with access to their personal CreditXpert Credit Scores™. In turn, each lender may not use the same score for determining a person's creditworthiness. There are many different credit scoring companies, each with its own formula for calculating credit scores. Nor are they Vantage scores, which some lenders also use. You'll see that they are not FICO scores. The top link gave me the answer, though I had to click through a couple links. I did not know the answer, so I googled that question. It sounds like you want to know: are the scores at PrivacyGuard FICO scores? Still confused about the EQ score differences though. Still sure where the 512 even came from, but it's gone now even though it was there yesterday. But it simply will not work since EX won't give me a score.ĮDIT: I just checked PG out again and it is now showing no score on EX. I am willing to pay $30/month to monitor my reports while I am rebuilding. So I'm wondering where that score is coming from? I'm just wondering why there is a difference between the two scores I'm seeing for EQ.Īlso PrivacyGuard currently shows me a 512 score for EX while others are not able to give me a score for EX, including the EX website itself. So which one is correct? I did get a car loan approval by the way, just with a different finance company. But on PG my EQ score currently says 577, but I recently applied for an auto loan and got a letter in the mail from one of the lenders who didn't approve me showing my EQ FICO as 584. PrivacyGuard is the only one that works that gives a FICO score. I have been using to get my FICO scores and reports, but I am wondering if their scores are FAKO? I've tried signing up for both myfico and CCT, but because Experian gives me "no score" neither one will actually work.
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