Experian Now Offers Free Credit Monitoring, FICO Score & Report For Free

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• I want to cancel my membership

  • I want a pizza, and a puppy.

• Brenda Weldon, I want to cancel my membership

• So, looks like Experian has set up the Freecreditscore.com website to "Fool" people. IF you click on SIGN IN and then click on the HERE hyperlinke underneath the login, it will take you to EXPERIAN's website. (page it takes you too is: https://www.experian.com/consumer-products/compare-credit-report-and-score-products.html?intcmp=ecw-signin

  THAT site gives you the option of a "FREE no FICO Account" or 4.99 a month account.

  However,

  IF you click on the orange button that says GET YOUR EXPERIAN REPORT & FICO SCORE on the main page for freecreditscore.com, it will take you to an IDENTICAL Experian sign-up page, but for freecreditscore.com and NOT Experian.

  It will take you to the following page:
  https://www.freecreditscore.com/c/#/registration?offer=at_frsas102&br=fcs

  That will take you to the FREE FICO score and monitoring.

  To me, that is pretty shady business.

  • Experian acquired FreCreditScore.com and turned it from a shady site into a legit credit score site. Yes - there is rampant over-selling, but it is easy to side step it and get your free score and report every 2 weeks or so.

    I wrote about my experience converting from an Experian report-only service on experian.com to a report + score service https://www.doctorofcredit.com/experian-now-offers-free-credit-monitoring-fico-score-report-free/#comment-446136.

    TL;DR - Sign up at freecreditscore.com and then use that login at experian.com for free score and report.

    • I'm not seeing any difference between FreeCreditScore.com & experian.com
      You can sign up at either site and it will give you exactly the same info.

• Will, this could be helpful for new sign-ins:

  I signed up just recently via FreeCreditScore.com as on Experian website itself it stated the following under Free option:
  "Includes a new free Credit Report from Experian every 30 days on sign in. This offer does not include a free Credit Score."

  But the nice thing I noticed is that the application process (and you can see it by the way screens look) is identical on both websites, so my guess FreeCreditScore.com at this point is just a shell, and although it shows you different domain name in the browser it is essentially the same process.

  In addition to that after I completed the application, logged in, I logged of, went directly to Experian.com and logged in with the same credentials... and I see everything. The report and the FICO (v8).

  So, may be if you create the account directly on Experian you will see the same thing, but I did not want to risk it.... especially that Experian itself said "No Score"

  To sum up - create account on FreeCreditScore.com, and going forward login directly on Experian for a full report access with your FICO score from Experian.

  Good Luck

  • This would have been helpful to know. I made the mistake of signing up on the experian app first (which is the equivalent of creating an experian login), and I just have the report with no score. Bummer, trying to fix it

    • See my comment below on how to get the free score

      https://www.doctorofcredit.com/experian-now-offers-free-credit-monitoring-fico-score-report-free/#comment-446136

    • There was somewhere the reference on DOC on how to delete your Experian account. May be you can contact them and request them to delete your account completely. That should be free.

      After that you can create a new account on FreeCreditScore.com and get both the report and the score.

      Good luck.

• Time to review Experian again based on a 30 day refresh cycle

• Hmm, trying to sign up, but keep encountering an "Oops!" error

  "Call us toll-free at 1-866-617-1894"

  Any other folks encounter this?

  I'll give them a ring during open hours

• I signed up as a new account on the website and I didn't get the free FICO score or free alerts. It wants me to signup for a membership. Seems like YMMV.

  • Figured out my mistake. DO NOT USE http://www.freecreditreport.com. Instead be sure to use the link above (www.freecreditscore.com). My bad!

• You CAN get FICO score for free even if you signed up through app. At least it worked for me.

  Not step by step, but first email support@usa.experian.com and ask to cancel your membership and delete all info. They will write back with runaround (its free blah blah), email again and say you understand it is free but want to cancel and delete all info. They will then cancel & send confirmation email.

  Then, go to freecreditscore.com, start signing up - they won't let you and say you have existing account. I had to do a password reset to log back in. Then, I had to click on my name top right hand corner -> My Membership -> and agree to a new free membership. Then, I logged out.

  Now, I logged in through freecreditscore.com. It still shows up the page asking for CC to see FICO. Just skip it. Voila! Now you see credit report AND FICO for free. Tested it by logging out and logging in twice.

  Summary:
  * Email support and bother them until they close your account (you will get their reply and separate account close notification)
  * Try to sign up for new account through freecreditscore.com (this may not be necessary but this is what I did)
  * When this fails, log in using your old app username and password on freecreditscore.com
  * Click on your name top right hand corner
  * My Membership and agree to terms for new free membership
  * Log in and log out once or twice - you will still see the offer to pay for FICO each time you log in, but you should now see your FICO score once you decline the offer for free

  • I tried these instructions and received no response to my email request to cancel the account. So I tried to see if I could do it any other way.

    **Here is how I got access to free Experian Credit Score and Report.**

    **TL;DR**

    Cancel [Experian Credit Report](https://usa.experian.com/login/#/index)-only membership [here](https://usa.experian.com/#/profile/myMembership/paidChange),
    Sign in using same Experian credentials at [FreeCreditScore.com](https://www.freecreditscore.com),
    Upgrade to [Experian CreditWorks Basic Membership](https://www.freecreditscore.com/c/#/profile/myMembership/canceledChange?trackLinkId=header-member-upgrade)
    and you should have access to Experian Credit Report AND FICO 8 Score.

    **Details**:

    1. Sign in to [Experian Credit Report](https://usa.experian.com/login/#/index)
    2. Go to [Cancel Membership](https://usa.experian.com/#/profile/myMembership/paidChange) (linked from a Help page, not directly accessible from the My Membership section)
    3. Click on "Cancel My Experian CreditWorks Basic Membership"
    4. Fill in the reason for "Please tell us why you are canceling your Experian CreditWorks Basic"
    5. Click on "Confirm Cancellation".
    You will get a message like:
    > You deactivated your membership on Jul 24, 2017 and Experian will no longer pull your credit report. Your sign in credentials will remain active, allowing you access to your archived Credit Reports(s) and FICO® Score(s). You can [upgrade](https://usa.experian.com/#/profile/myMembership/canceledChange?trackLinkId=profile-mymembership-cancelledupgrade) your membership at any time. If you have any questions, please [contact us](https://usa.experian.com/#/contactUs).
    6. Sign out
    7. Go to [FreeCreditScore.com](https://www.freecreditscore.com) (and not FreeCredit**Report**)
    8. Sign in using same username /password as Experian
    9. Ignore oversell and click on "No, Show Me Only My Experian Credit Report and Score"
    10. [Dashboard/Overview](https://www.freecreditscore.com/c/#/dashboard) will say FICO score not available
    11. Click Upgrade in the top-right corner
    12. Click on [Experian CreditWorks Basic Membership](https://www.freecreditscore.com/c/#/profile/myMembership/canceledChange?trackLinkId=header-member-upgrade)
    13. On [My Membership](https://www.freecreditscore.com/c/#/profile/myMembership/terms), click on Accept Terms and Conditions
    14. On the [Confirmation](https://www.freecreditscore.com/c/#/profile/myMembership), verify that you see
    > Product: *Experian CreditWorks Basic*
    > Member Since: *Jan 01, 2015*
    >Benefits:
    >*Experian Credit Monitoring and Alerts*
    >*FICO® Score Tracker*
    >*Free Experian Credit Report and FICO® Score*
    15. Click on [Dashboard/Overview ](https://www.freecreditscore.com/c/#/dashboard)
    16. You should see your Experian FICO 8 credit score
    17. Click on [Report and Scores](https://www.freecreditscore.com/c/#/credit/summary/experian/now?scroll=false)
    18. Click on the Print icon and Print my Experian Report
    19. You can now view/save report and score.

    • does it still work in 2020? i don't think it works anymore and got frustrated that i can't see the score and they keep asking me to pay for it.

      Also, does anymore use credit.com? I just checked and they said my score is 650 (they said they used score from experian)..but all my other scores from discover, chase, capital one are all close to 800. Should I be concerned or just ignore the score on credit.com?

    • This works, thank you very much!

    • <3

    • The “Cancel My Experian CreditWorks Basic Membership” button in step 3 is reworded/replaced with “Switch to Free CreditWorks Basic Membership”

      • Good to know. Thanks for the update.

    • you are a genius

  • Thanks, this worked for me! The only thing I would clarify is that you need to click "my membership" then "upgrade my membership" then agree to the terms.

• I see the Score and report update every 30 days, how soon after changes do they alert you?

  • The monitoring should be in near real time (e.g within a day of it appearing on your report) this is different than the full report that is updated every 30 days.

• I signed up for the Discover one just a month ago, I don't want to sign up for another one of these. I think I'll pass.