I have subscribe to Experian 's CreditCheck Monitoring service for years. Included in this product, I get monthly access to my credit score ( all XXXX credit scores ). This whole time, I believed my credit score to be in the mid to upper XXXX. However, when I recently applied for a credit card, I received a copy of my score from the bank. It was much lower than what is reported by the Experian CreditCheck Monitoring program. I believe Experian 's service is misleading.