How to Convert Experian Score to FICO

Experian credit bureau stoped allowing consumers to purchase a FICO score based on their Experian report in February 2009; however, lenders are still able to see this score. This makes it necessary for consumers to know their score, but almost impossible for them to get it. According to Money Blue Book, short of applying for a mortgage just to have the broker tell you your Experian FICO score, there is only one thing you can do---use the MyFICO score simulator to estimate your score.

Instructions

1

Get your Experian credit report for free from the Annual Credit Report website or, if you have already requested you free report within the last 12 months, buy your report directly from Experian.

2

Purchase your Equifax or TransUnion report and score from MyFICO. According to the MyFICO website, this will give you access to the score simulator for that report.

3

Use the score simulator to make changes to your Equifax or TransUnion report that resemble what is on your Experian credit report. According to the MyFICO website, options that you can choose to simulate include Pay Your Bills on Time, Pay Down the Balances on All Your Credit Cards, Pay Down Delinquent Balances First, Seek New Credit, Transfer Credit Card Balances, Miss Payments and "Max Out" Your Credit Cards.

4

Calculate your estimated Experian score and write it down for future reference.