Many people think they have only 1 to 3 scores. The truth is much more complex. Depending on the type of credit you are applying for and who is requesting it, your credit score could vary widely. The lender chooses a scoring model—and there are many different kinds, specifically for things like mortgages, car loans, credit cards, and more—including which bureau your credit is pulled from. While most products show you only one or two of your many credit scores, ExtraCredit’s Track It feature shows you a wide range of possibilities: 28 of your FICO® Scores. It’s a great way for you to keep track of where you currently stand and see changes and factors that may need your attention.
You’ll see 10 FICO® Scores, 9 FICO® Bankcard Scores, and 9 FICO® Auto Scores. You will also be able to find out more information on each of those scores and why it might be used by a lender. For example, three of your FICO® Scores are used predominantly for mortgage lending. FICO® Score 9 is the newest scoring model and is the main score we display for each bureau, though some lenders are still evaluating this version before they start using it.
Because you upgraded from our free Credit Report Card, your Credit.com information is still available to you—but we have added even more features. Under “My Grades,” you can still see your report card from each bureau, but you can also view each individual credit report that is available to you from TransUnion, Experian, and Equifax. By selecting “See Details” under each score factor, you can view your available credit reports and see what companies are reporting to the bureaus.
When you log in to ExtraCredit, you are able to see 9 FICO® Scores, 9 FICO® Bankcard Scores, and 9 FICO® Auto Scores. Each score is used for a different purpose. Your Equifax FICO® 5, Experian FICO® 2, and TransUnion FICO® 4, for example are the scores that are most likely to be looked at by mortgage lenders. Simply click “See details” under each score to see more about what that score is used for.
Note: when you are researching mortgage lenders, you should ask them what score they are looking at as not all lenders look at the same score to determine credit risk.
Download Full Credit Reports
ExtraCredit provides our users with their full credit reports from all three major credit bureaus—TransUnion, Equifax, and Experian. In order to download your report, please click on the Track It icon at the top of the home page. Scroll down to ”My Grades” and select the “See Details” option under any of the credit score factors on your Credit Report Card. Make sure to select the appropriate bureau at the top of the page for each report you want to download. Scroll to the bottom of the screen and select "Download Full Credit Report."
You can also download your full credit reports past and present by clicking the profile icon at the top right of the webpage, and then selecting “My Account.” From there, select the “ExtraCredit” dropdown menu, then click “Credit Reports.” You will be able to adjust the bureau, month, and year for the report you want to download. Keep in mind that past reports can only be downloaded for the timeframe that you have been a customer of ExtraCredit.