How to Get All 3 FICO Scores
The three credit reporting agencies, Equifax, Experian, and Transunion, each compile information on a person's credit history including payment history on past and present credit card accounts, mortgages, loans, and other debts or payment agreements. A complex formula is applied to this information to determine your credit score, or FICO® score. FICO® scores range between 300 and 850 with 300 being bad and 850 being perfect. To obtain a FICO® score for each credit reporting agency, there are several steps to take.
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Instructions
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Go to MyFico.com and under myFICO® Products, select "FICO® Standard".
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Click "Buy Now", fill out the information, and purchase both the TransUnion and Equifax FICO® scores.
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Go to Experian.com and find the link that says "Experian Credit Score and Report -- Get Yours Today."
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Click the link, fill out your information, and purchase your Experian report and score.
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Tips & Warnings
All three credit reporting agencies offer a free report and score, but they are not really free. These are free trials for their credit monitoring services that charge a steep monthly fee every month until you cancel. Do not choose the free option unless you want the monthly service or you are certain that you can remember to cancel before you are charged a monthly after the trial offer has expired.
Everyone is entitled to one free credit report per year, which can be obtained at AnnualCreditReport.com. However, this report does not include a FICO® score.
Many other third party credit report providers give out a free credit score when you order a credit report, but that credit score is not a true FICO® score. Your FICO® score is the number that lenders use to evaluate your credit and is the only score you should pay attention to. It can only be obtained at myFICO.com or Experian.com.
