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How to get your Experian FICO score for $1

Under federal law, the three major credit reporting agencies – Equifax, Experian and TransUnion – are each required to provide consumers with one free copy of their credit report each year but there is an extra cost for credit scores.

Consumers typically have three FICO scores based on credit reports at the three major credit reporting agencies. Under federal law, the three major credit reporting agencies – Equifax, Experian and TransUnion – are each required to provide consumers with one free copy of their credit report each year (annualcreditreport.com) but there is an extra cost for credit scores.

Experian has given consumers a new way to keep an eye on their actual Experian FICO credit score. FICO credit scores matter most because they are used in 90% of consumer-lending decisions, according to CEB TowerGroup, a financial-services research firm.

As part of a credit-monitoring service that costs $21.95 per month, Experian offers access to your FICO score. Having access to a real FICO score is important if you are rebuilding your credit, working on getting your score higher or in the market for a major purchase. It’s important to keep an eye on your FICO score to determine what strategies work to improve scores and what actions are not working.


But $21.95 per month is expensive. There is a way to get your Experian FICO score and credit report for just $1.00. Of course there is a string attached. Experian bundles the FICO score with a “7-day trial period” to their credit monitoring service. This seems like a better deal than, for example, the myFICO.com service, which locks you into a minimum 3-month contract for credit monitoring (at $19.95 per month) if you want access to your FICO score.

To pay only $1 for your Experian FICO score you will have to be ALERT and on-top of things. Experian allows you to CANCEL your subscription within the 7-day free trial period, with no charges other than the initial $1. But if you forget to cancel, however, then Experian will begin billing you $21.95 monthly for Experian Credit Tracker. You can sign-up twice a year for the 7-day free trial period.

When consumers know their FICO score, they have a better idea of whether they’re likely to get approved for a mortgage or other loan, as well as whether they might have a chance at getting the lowest interest rates for credit products in general. Even a small difference in a score can mean a higher or lower interest rates which makes a big difference in your bottom line – your money.

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