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Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: New Alliant score (ex fako) online

Might be their credit card enhanced score. If it isn't Plus or Vantage that would be my guess.
Frequent Contributor
hobojon
Posts: 261
Registered: ‎01-20-2009
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Re: New Alliant score (ex fako) online

[ Edited ]

Alliant has updated their faq on the credit scores they offer. They state that it is the EX Next Generation Advanced risk 2.0 score. This is a true fico score. Not sure how useful it is in the real world but it is not a fako score.

Message Edited by hobojon on 05-30-2009 07:31 AM
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: New Alliant score (ex fako) online


hobojon wrote:

Alliant has updated their faq on the credit scores they offer. They state that it is the EX Next Generation Advanced risk 2.0 score. This is a true fico score. Not sure how useful it is in the real world but it is not a fako score.

Message Edited by hobojon on 05-30-2009 07:31 AM

Probably as useful as the TU score you buy here.

Frequent Contributor
hobojon
Posts: 261
Registered: ‎01-20-2009
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Re: New Alliant score (ex fako) online

 I paid for my TU score here once and it was the same score/model that my mortgage lender used/provided. I hear that it is a YMMV situation with TU though.
Epic Contributor
Creditaddict
Posts: 21,015
Registered: ‎10-23-2007
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Re: New Alliant score (ex fako) online

anyone else find it odd that they offer a product (score watch from EX) when they only use EQ for your approvals?

and the score watch I got was like mid 650's and the EQ advantage they pulled was 610 which was not the 642 my EQ Fico is.

 

So no 3 of them are close to the same, so how does that help me! 

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: New Alliant score (ex fako) online

Every once in a blue moon, USAA softs me on EX, although they are usually strictly EQ.

I suppose it makes sense from their viewpoint to check out a different CRA, in case you were able to do some magic on EQ that didn't show baddies on the other two.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
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Re: New Alliant score (ex fako) online


Creditaddict wrote:

anyone else find it odd that they offer a product (score watch from EX) when they only use EQ for your approvals?

and the score watch I got was like mid 650's and the EQ advantage they pulled was 610 which was not the 642 my EQ Fico is.

 

So no 3 of them are close to the same, so how does that help me! 


I guess that Experian gave the scores out for next to nothing in their attempt to corner the credit score market. As to the value, it's limited. You will get your score 4 times a year. You may still see whether it's up or down from last time.

Regular Contributor
jahmal
Posts: 181
Registered: ‎08-13-2008
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Re: New Alliant score (ex fako) online

I got an email stating my score was avail so logged in to see it was an experian score which was strange since Alliant used EQ for me and my EX is frozen. Anyway for whatever it works and wish it was my fico it says my score was 790.

Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

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