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My Experian score just jumped to a 674 FICO "Checked by local credit union" Curious if any credit card companys pull Experian only?
I live in California.
Thanks
American Express only pulls Experian and they do their own evaluation, rather than use FICO score.
Addison Avenue FCU
American Express may pull more than Experian if they don't like what they find.
Very true.. Amex pulled all 3 when I app'd with them
Chase pulls EX in my state (GA) but I think they are known to pull from the other two if you have EX frozen.
@keikdasneak wrote:My Experian score just jumped to a 674 FICO "Checked by local credit union" Curious if any credit card companys pull Experian only?
I live in California.
Thanks
I live in Calif too. US Bank pulled EX for me. Good luck to you.
Citi often pulls EX.
Thanks ...so does a Experian 712 score get me a Plum Amer X or any other
kelkdasneak and GAG, can I ask where you got your Experian scores?
Experian stopped allowing consumers to buy our own EX FICO scores on 2/13/2009. You can only find out what your EX FICO when you app for a mortgage (a bit drastic), or if you belong to a specific credit union in Pennsylvania (PSECU) or a handful of other banks that give your score on your statements. Even then, you have to read their fine print to confirm that it's a FICO score.
Otherwise, any Experian "credit score" that you see is a non-FICO score, aka a FAKO. There isn't a reliable conversion formula to compare them to FICO's, and the score ranges on FAKO formulas vary greatly, so a 720 on one could be better (or worse) than a 720 on another, and neither has anything to do with a 720 EX FICO.
As for who pulls what, this does vary by where you live and your overall credit picture, but in my experience, BofA and American Express each pulled Experian. Sometimes, when a lender pulls a report, if something looks a little odd, they'll go ahead and pull another, or even both the others. And then CapOne, of course, pulls all three, just because they can.
@haulingthescoreup wrote:kelkdasneak and GAG, can I ask where you got your Experian scores?
Experian stopped allowing consumers to buy our own EX FICO scores on 2/13/2009. You can only find out what your EX FICO when you app for a mortgage (a bit drastic), or if you belong to a specific credit union in Pennsylvania (PSECU) or a handful of other banks that give your score on your statements. Even then, you have to read their fine print to confirm that it's a FICO score.
Otherwise, any Experian "credit score" that you see is a non-FICO score, aka a FAKO. There isn't a reliable conversion formula to compare them to FICO's, and the score ranges on FAKO formulas vary greatly, so a 720 on one could be better (or worse) than a 720 on another, and neither has anything to do with a 720 EX FICO.
As for who pulls what, this does vary by where you live and your overall credit picture, but in my experience, BofA and American Express each pulled Experian. Sometimes, when a lender pulls a report, if something looks a little odd, they'll go ahead and pull another, or even both the others. And then CapOne, of course, pulls all three, just because they can.
Don't know about GAG but Kelkdasneak stated their local credit union gave him the score. I'm assuming that is probably a true FICO? I could be wrong.