Credit Card Center Advertiser Disclosure†
08-16-2012 11:15 PM
Trying to figure out my true Experian score, I just purchase my VantageScore, it states the following:
Vantage Score is 849 on a scale of 501-990 Your Risk Grade is B ( Prime Plus)
Is there any place that someone can purchase a true Experian score.
08-16-2012 11:19 PM
Not that I know of but you can try a lender pull from bofa or amex.
08-16-2012 11:22 PM
Thanks, I know this might sound stupid, but i have numerous accounts with Amex, Personal and Business. Could I call them and request a credit report without applying for any more cards, and would it be a hard pull if they agreed to it.
08-17-2012 09:17 AM - edited 08-17-2012 09:17 AM
If you applied for another AMEX card and are declined then you'll get your EX FICO score ( assuming they pull EX which is likely ). Also it will only be a soft pull.
08-17-2012 05:52 PM - edited 08-17-2012 06:54 PM
If you are approved for an Amex revolver but do not receive the best possible terms (interest rate) you would receive an ex fico. AFAIK Amex does not provide a fico score for charge card approvals however; only denials, as stated above.
08-17-2012 07:03 PM - edited 08-17-2012 07:06 PM
I think PSECU provides an Ex fico score to it's members
I'm pretty sure that you can get an updated experian fico score from them each month if you are a member. However, I thought I read somewhere that you are ineligible to join PSECU unless you are a Pennsylvania resident.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.