Experian does; they do it directly on their website, and also allow you to monitor your TransUnion & Equifax ones as well, for a membership of $14.95/month after a 7-day free trial.

The “consumer educational report” from CreditKarma and similar free sites come from your VantageScore usually so that’s the discrepancy.

CreditKarma pulls from BOTH Transunion and Equifax, not just TransUnion as you stated above (blue text, large font).

Secondly, Experian shows you your FICO score for free; if you log in right now, it will show you that it is a FICO 8 score (small text below your score that generates), while CreditKarma uses your VantageScore like most of these free sites. Meaning it’s not just your “consumer educational score” but actually off of an entirely different system as Lisa stated.

Additionally, Experian allows you to buy scores from all 3 bureaus for a monthly membership of $14.95/mo. (after a 7-day free trial). Again, Experian tells you directly on their site that this is a FICO 8 score, not just a “consumer education score” as Philip stated.

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Lastly, it seems that your banker may have been referring to the fact that Fannie & Freddie were given approval by the FHFA in November 2020 (a little over a year ago) to continue using the classic FICO models compared to the new FICO9 model, which is less harsh on certain collections like medical bills than its predecessors, and Fannie & Freddie made their own determination to continue judging creditworthiness on the previous models standard.

Please update this or embed a YouTube video so the people that run across this (especially in the comments) can stop running with false information. Thanks, Jeff! I’ve been watching your videos for several years, and look forward to your future content.

Hi Brad – You can usually get your FICO free from your bank. Many offer it as a free service.

No Jeff as far as I can see you can’t request just your score at least if you can can you please show us the link to where you can because every single thing that I tried to get that simple credit score FICO score it wants you to join an expensive monitoring service to get it how do I get just the score and only the score the FICO score?

Hi Ayishah – Each credit bureau will have a different score, especially if there’s a difference in what’s been reported between the three. Not all creditors report to all bureaus. That can lead to some wide differences. I’m not sure what you mean by mortgage score, though I do know there are different scoring models for mortgage lenders, so if you pull a residential mortgage credit report (called an RMCR) the scores will also be different. But RMCRs are usually pulled by mortgage companies, and not available to individuals, so I’m curious.

I apologize for my typos 🙁

My Fico is 100 points higher than the “education scores” you are not the only one