Why do I have three different credit scores?

There are three versions of every credit score because credit scores are calculated using the contents of people’s credit reports, and we each have three credit reports – one from each of the three major credit bureaus: Equifax, Experian and TransUnion.

Why are my Equifax and Experian scores so different?

This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also unusual.

Does Credit Karma provide FICO or Experian credit scores?

Credit Karma does not provide FICO scores or Experian credit reports. All Americans have the right to a free credit report every 12 months from Experian and the other two major credit bureaus, via AnnualCreditReport.com.

What credit bureaus does Credit Karma offer?

Credit Karma offers full credit reports from TransUnion and Equifax, updated weekly. Experian offers a full credit report from Experian and the option to also purchase full reports from the three major credit bureaus.

How do I view my FICO® scores via Experian?

To view your FICO® scores via Experian, you can sign up for Experian CreditWorks℠ Premium. This service also allows you to see your FICO® scores from the other two major credit bureaus and offers other tools for better understanding your credit.

Where can I Find my Experian credit score for free?

If you’d still like to access your Experian credit score, you can find it for freein several places. Experian’s free CreditWorks℠ Basic service updates your credit score every 30 days. Experian also operates freecreditscore.com, another place where you get your free Experian FICO score once a month.