Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.
The information supplied to create and display within each of your credit reports from the three bureaus can differ. The 3-Bureau Credit Report offered by Experian includes your Experian, Equifax®, and TransUnion® credit reports and FICO Scores. These reports are presented side-by-side so you can scan them together in an easy-to-understand format that presents your complete credit information.
Certain information on your credit report may hurt you if you apply for credit. The following statuses, either open or paid, are considered potentially negative: any missed payments, accounts included in bankruptcies, public record items, collections, creditor received deed, foreclosed, foreclosure proceedings started, claim filed with government, insurance claim filed, paid by creditor, paid in settlement, creditor cannot locate individual, repossession, defaulted on contract, voluntarily surrendered and charge-off.
These days, credit scores and credit reports are a very important way for lenders to measure your credit behavior. Creditors use them to obtain a clear profile of your credit history. Personal scores range from 330 to 830. When you request a credit report online, you'll also obtain your credit score, with an analysis of the factors shaping your score.
Know what's in your Experian credit report and who's been checking your credit and why. Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian's 3-Bureau Online Credit Report and FICO Scores.