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Experian FICO's are back?!

Regular Contributor

Re: Experian FICO's are back?!

Whoever pulls, can you pm me what the algorithm their using. Thanks in advance! -LJ

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Message 11 of 208
Established Contributor

Re: Experian FICO's are back?!

I just caved and bough it.

 

AND WOW. I wasn't expecting that score.

07/12/17 EX FICO Score 8 804 (AMEX) | 06/19/17 TU FICO Score 8 823 (BofA) | 07/08/17 EX FICO Bankcard Score 8 833 (FNBO)
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Message 12 of 208
Frequent Contributor

Re: Experian FICO's are back?!


vpae wrote:

I just caved and bough it.

 

AND WOW. I wasn't expecting that score.


Don't tease us like that Smiley Tongue

Message 13 of 208
Frequent Contributor

Re: Experian FICO's are back?!


Dubious wrote:

vpae wrote:

I just caved and bough it.

 

AND WOW. I wasn't expecting that score.


Don't tease us like that Smiley Tongue


+1  , thats like saying hot dogs!!!! and then there is no food.



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 14 of 208
Super Contributor

Re: Experian FICO's are back?!

A good test would be to compare it to the PSECU score for those of us who get it monthly.

 

 




Message 15 of 208
Highlighted
Established Contributor

Re: Experian FICO's are back?!

Updates will be appreciated

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 16 of 208
Established Member

Re: Experian FICO's are back?!

Finally!! This is very exciting. I can't wait to have a full 3 bureau credit picture!
Message 17 of 208
Frequent Contributor

Re: Experian FICO's are back?!

Does myfico not actively disclose what models they sell? I've been trying to find it on the site to no avail. 

Message 18 of 208
Regular Contributor

Re: Experian FICO's are back?!

I Bought Experian report... My score is 754...... no enquiries since 9 months. But score simulator is not available.. thanks.
Message 19 of 208
Established Contributor

Re: Experian FICO's are back?!

This doesn't make any sense.

 

I went into the bank on 06/11 to start my refi. They did a pull of all 3 and here's what I got.

 

Experian - 770

Equifax - 788

Transunion - 783

 

I updated both my Transunion and my Equifax on myFico before going in that morning and with today's Experian purchase. Here is what I got.

 

Experian - 815

Equifax - 788

Transunion - 765

 

Why is the Experian score so much higher?

 

 

07/12/17 EX FICO Score 8 804 (AMEX) | 06/19/17 TU FICO Score 8 823 (BofA) | 07/08/17 EX FICO Bankcard Score 8 833 (FNBO)
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Message 20 of 208