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Credit Scores are Not Included in Credit Reports

Dear Experian,

I got my credit report, but where is my credit score? How do I get it?

– JLE

Dear JLE,

A credit score is not part of your credit report. Although you are entitled to one free copy of your credit report once every 12 months from each of the credit reporting companies, it does not include a credit score. A credit score report is a separate service for which there is a nominal fee.

Credit scores are tools used by lenders to analyze the information in your credit report and to assess the risk that you won’t be able to repay a debt as agreed. Lenders purchase credit reports and also pay an additional fee for credit scores. Because the credit scores are delivered at the same time as the report, and both appear on the lender’s computer screen or printout, it looks like the score is part of the report, when in fact it is not.

There are many different credit scores available from different sources. Scores typically are accompanied with an explanation of what the number means, the scale it’s from and most important, a list of score factors. The factors describe what from your personal credit report is most affecting your score.

Regardless of what score you receive, you can use the factors to help you make decisions that will improve your credit history, and as a result, all of your credit scores over time.

Thanks for asking.
The “Ask Experian” team

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