Credit agency to deny access to consumers

There are three major credit reporting agencies that calculate your three individual credit scores – or, at least, only three that matter. Your credit score determines whether you can get a loan and how much interest you’ll pay. And today, credit scores can also determine how much you’ll pay in auto insurance premiums or whether you’ll get an apartment or job. It seems a lot of businesses you deal with size you up via your credit scores.

That’s why it’s disturbing that Experian – one of the three major credit bureaus – is cutting off access for consumers to see their own FICO scores. There are many brands of credit scores, but the only ones that matter are your three FICO scores.

Access to Experian scores will be cut off Feb. 14 from the main site for obtaining scores,

You can still get credit scores from the other two credit bureaus, TransUnion and Equifax.


If you’ll be in the market for an important loan soon, and you know the lender uses Experian to check your creditworthiness, you might want to pay to get your credit score before Feb. 14 at It costs about $16.

More important is to check your credit reports. You can still get reports from each bureau once a year. The only place to do that is Your scores, which are not free, are based on the information in those reports. The reports basically detail all your credit lines and whether you’re paying them on time.

If you don’t want to pay for an official FICO credit score, you can get a free simulated score, which should give you a decent idea of where you stand. See, and

One note: when checking credit reports and scores, don’t get suckered into subscribing to a credit-monitoring service. Such services are mostly worthless.





One Response to “Credit agency to deny access to consumers”

  1. I usually don

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