The CreditXpert score is one that’s offered by a lot of credit monitoring services on the market today. It ranges from 350 to 850 and updates every 90 days, it’s based on the information found in a consumers Equifax credit report. According to David Chung, “CreditXpert is for educational purposes and is not used by lenders”.
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CreditXpert don’t publicly discuss the breakdown of their score.
We use our own proprietary scoring model to generate scores and we do not disclose the intellectual property behind it. At a high level, it is based on the same fundamental risk assessment drivers that the most common scoring models use. David Chung, Managing Director.