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Frequent Contributor
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Registered: ‎12-16-2011
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My FICO Experian, AMEX Experian FICO?

I pulled My FICO Experian report, paid the 19.95 plus tax. Just like I have pulled my TR and EQ on My FICO many times in the past. When I pulled my Experian, it showed 708 with a couple of baddies that had dropped off my TR and EQ. The same day I had already applied for AMEX BCE and my Experian FICO through them was 784. I know that My Fico does a good job with EQ and TR but I am wondering about how My FICO is reporting the Experian scores, something seems not right. Has anyone else noticed the same?

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Re: My FICO Experian, AMEX Experian FICO?


Slab wrote:

I pulled My FICO Experian report, paid the 19.95 plus tax. Just like I have pulled my TR and EQ on My FICO many times in the past. When I pulled my Experian, it showed 708 with a couple of baddies that had dropped off my TR and EQ. The same day I had already applied for AMEX BCE and my Experian FICO through them was 784. I know that My Fico does a good job with EQ and TR but I am wondering about how My FICO is reporting the Experian scores, something seems not right. Has anyone else noticed the same?


The AMEX FICO score may very well be a FICO Bankcard Enhanced score, versus the FICO Classic score sold here.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Re: My FICO Experian, AMEX Experian FICO?

I pulled Experian from MyFico last month and it was 767.

 

I applied for AmEx that same day, and their pull was 767.

 

 



Starting Score: 573 (Exp 10/12)
Current Score: 767 (Exp 6/13)
Goal Score: 700+ I Crushed it!!!


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Re: My FICO Experian, AMEX Experian FICO?

I thought I read somewhere here the Experian FICO sold here is a newer version or a version not widely used?

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Re: My FICO Experian, AMEX Experian FICO?


Capya wrote:

I pulled Experian from MyFico last month and it was 767.

 

I applied for AmEx that same day, and their pull was 767.

 

 


Good deal. Mine are not making sense.

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Re: My FICO Experian, AMEX Experian FICO?


dude11 wrote:

I thought I read somewhere here the Experian FICO sold here is a newer version or a version not widely used?


I hope it is the version that is not widely used. I guess I should try to get the My FICO version cleaned up, just in case.

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810 goal on all three by 3-1-2015
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Re: My FICO Experian, AMEX Experian FICO?

The EX score sold here is FICO Classic 08 version.

Most mortgage lenders use the 04 FICO version.

Some CC lenders use 08 but many are still on earlier versions.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Re: My FICO Experian, AMEX Experian FICO?

Perhaps the info changed in that amount of time...
Don't forget that your credit reports change all the time
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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Re: My FICO Experian, AMEX Experian FICO?

A couple weeks ago, I paid for myFico Ex, 722.  A week after that, I bought a new Harley-Davidson and my EX pull was 722. 

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Re: My FICO Experian, AMEX Experian FICO?


racer-x wrote:

A couple weeks ago, I paid for myFico Ex, 722.  A week after that, I bought a new Harley-Davidson and my EX pull was 722. 


That is good for you. You are getting two scores that validate each other. Even though I got two different scores, I am glad that AMEX showed 784 and approved a significant credit line. I am just concerned that they will later get the same score that My FICO reports.

Equifax FICO 781, Transunion FICO 821, Experian FICO 807,

810 goal on all three by 3-1-2015
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