This is a good thing for you because it means that you have more control over who sees the credit report with the other credit bureaus. In other words, Experian offers access to credit reports from the other agencies if they need them to for their credit scoring purposes. They are, however, open to receiving and evaluating your credit reports from the other companies. Experian is not connected to or dependent upon the other credit bureaus. They also have differing policies on who can access their credit reports.Īs you might expect, Experian is the authority for credit scoring. Each of the credit agencies is responsible for their own policies and procedures relating to credit scoring and delivery of reports. These credit reports include your credit score from Experian, all the information contained in the three credit reports, and the scores for the respective accounts. Each of them provide somewhat different services.Ĭredit reporting agencies are required by law to provide you with three credit reports every year. Equifax is the authority for Experian credit reports the other two are reporting agencies. Experian is one of the three main credit reporting agencies (Equifax, TransUnion) that determine your credit score. If you are interested in how you can save money with this credit monitoring service, then read on. The credit report is available for every card, student loan, auto loan and mortgage application. Experian credit works offer a free credit report once a year to all consumers with an active credit account.
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