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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: How to get your true Experian fico score!!


Chris123nTx wrote:

Blackmarble18 wrote:

Hey everyone I have a somewhat weird story. I applied for my Amex BCE card and was instantly approved with a 3k limit and 17.99% apr. I received all my information in the mail the next week and it told me My EX Fico score was 765 I was over the moon! At the time my Ex Plus Score was a 732 33point difference.  Anyway, I convinced my room mate to get the same card and he applied a week after I got my card. He was approved with a 2500 limit and 18% or 20% interest rate( I can't remember but I know mine was lower). The weird part is that we had the same Score our Ficos were both 765. I don't get it Is this just super random or could there have been a mistake somewhere? He had the same score but higher interest rate. 


 

Its hard to compare directly with amex. They have thier own internal stuff in addition to the fico score. With a 765 there were other things that they took into account or you would have gotten much better rates. They are a great company but trying to figure them out could make one a bit crazy.

:smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
kevinjjc
Posts: 1,375
Registered: ‎01-14-2009
0

Re: How to get your true Experian fico score!!


Blackmarble18 wrote:

Hey everyone I have a somewhat weird story. I applied for my Amex BCE card and was instantly approved with a 3k limit and 17.99% apr. I received all my information in the mail the next week and it told me My EX Fico score was 765 I was over the moon! At the time my Ex Plus Score was a 732 33point difference.  Anyway, I convinced my room mate to get the same card and he applied a week after I got my card. He was approved with a 2500 limit and 18% or 20% interest rate( I can't remember but I know mine was lower). The weird part is that we had the same Score our Ficos were both 765. I don't get it Is this just super random or could there have been a mistake somewhere? He had the same score but higher interest rate. 


Thanks for bumping an old thread!! :smileylol:


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