How to Get Your Experian PLUS Score Free
By federal law, you are entitled to receive one free credit report annually from each of the three main credit bureaus: Experian, Equifax and TransUnion. If you want to know what your Experian PLUS Score is, you typically have to order your credit report directly from Experian. That will cost you money, because Experian does […]
FICO vs. PLUS Score: What’s the Real Difference and Why It Matters
If you’ve applied for a loan, a credit card, or a mortgage recently, your credit score likely played a pivotal role in the lender’s decision. But did you know there’s more than one type of credit score? Two commonly referenced models—FICO and PLUS Score—serve very different purposes. Understanding the difference between the FICO vs. PLUS […]
Do I Need My Plus Score or Just My FICO Score?
In addition to your FICO credit scores, you should also get your Experian PLUS score. In recent years, consumers got all three FICO scores – based on their TransUnion, Equifax, and Experian reports. But as of 2009, you can now only get two FICO scores (based on what’s in your Equifax and TransUnion files). You can no longer get an Experian-based FICO score. So what should you do to get a score based on all three credit files? My recommendation is to get your third credit score directly from Experian via its www.creditexpert.com consumer website. This score is known as your Experian PLUS Score.