06-13-2013 08:30 PM
Just some additional context from my end.
Bank pulled FICO 06/11/13
Experian - 770
myFico 06/13 for Experian
Experian - 815
Experian FAKO - 729
Experian Plus Score - 771
PS - It says the FICO Score Simulator is not available for Experian (http://www.myfico.com/Products/FICOOne/Description
And it also says
*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.
That doesnt mean they are not included in your score. it just means that they are not providing you with additional bullet points with written statements decribing the positive aspects of your report which are most effecting your score.
+1. Prior to Experian stopping business with myFICO back when, the EX reports look the same as they do now (or at least based on the screen shot). Different formatting; that's all.
06-14-2013 05:21 AM - edited 06-14-2013 05:22 AM
Bit the bullet($20) and got it. 682, better than I thought...
06-14-2013 05:23 AM
@RockinRay you mean many many different FICO scores that they sell based on the lendor??
Yes, auto purchase, mortgage, etc... The article stated that with so many different scores offered based on what you want to buy, that buying the score here is not really accurate.
I know - bubble busting! Sorry...
06-14-2013 05:39 AM
06-14-2013 06:56 AM
Now that I've had more time to really look over my EX FICO score and report, I see some errors. For instance, EX removed a positive trade line from a consolidated student loan three years before they should have. MyFICO also lists my oldest account as 7 years, when according to their own information (which is inaccurate because of the missing student loan), it should be 8 years. On the other hand, I'm reluctant to dispute any of this because I have a 30 day late on my report for an auto loan that I foolishly co-signed back in my financially ignorant days as a young man and I don't want them to find that the person I co-signed for actually missed a bunch of payments instead of just one. I don't really know what to do about this.
06-14-2013 07:25 AM
Mine was worth the 20 bucks...790!
Last REAL score (from AMEX pull 8/12): 779
My Credit Sesame score is 757
Credit.com 743 (Fico estimate from their site is 760)
Plus score from Experian is 766
06-14-2013 07:27 AM
yup did the same thing. Glad I can finally compare all 3
I'm tempted to buy one just for the heck of it...
i was just thinking the same thing!
06-14-2013 08:31 AM
Oh so close......