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Regular Contributor
Posts: 212
Registered: ‎09-16-2008
0

No Experian FICO Score Even After Creditor Hard Inquiry

I thought we were still suppose to be able to get our true FICO score for Experian after applying for credit and allowing a hard inquiry?  I just applied for a CC (denied) and when I spoke to the EX representative I was told they do not provide FICO scores at all, just their scoring model.  I also asked the CC company and they refused to tell me anything about my score.  What gives?  How can I find out what my true EX FICO score is now that I've applied for credit and allowed a hard inquiry?
Thunderseven.....TU 712 (08/21/2013) EQ 696 08/21/2013 EX 719 908/21/2013) All FICO's

I don't ask for much,
The truth will do just fine....

Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: No Experian FICO Score Even After Creditor Hard Inquiry

Unless you live in Pa or are going for a mortgage you won't see your Experian score.
Established Contributor
Posts: 504
Registered: ‎03-27-2009
0

Re: No Experian FICO Score Even After Creditor Hard Inquiry

They are right, if you are applying for credit and are denied you are entitled to a copy of your credit report (not your score).

 

The only times I have got my score has been from friendly Loan Officers when I applied for my car loan and for a mortgage... and that was given to me cause I asked nicely.

 

Just allowing a hard enquiry doesn't mean you will get access to your score 

Senior Contributor
Posts: 3,608
Registered: ‎01-10-2008
0

Re: No Experian FICO Score Even After Creditor Hard Inquiry

you can get a free report from EX but not a real EX fico score as PP indicates.
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
0

Re: No Experian FICO Score Even After Creditor Hard Inquiry


Thunderseven wrote:
I thought we were still suppose to be able to get our true FICO score for Experian after applying for credit and allowing a hard inquiry?  I just applied for a CC (denied) and when I spoke to the EX representative I was told they do not provide FICO scores at all, just their scoring model.  I also asked the CC company and they refused to tell me anything about my score.  What gives?  How can I find out what my true EX FICO score is now that I've applied for credit and allowed a hard inquiry?

As pointed out by others, that's generally a rule of thumb for mortgage, not credit cards, although select and occassional companies may offer it or give it to you.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
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Regular Contributor
Posts: 212
Registered: ‎09-16-2008
0

Re: No Experian FICO Score Even After Creditor Hard Inquiry

Thanks to all.
Thunderseven.....TU 712 (08/21/2013) EQ 696 08/21/2013 EX 719 908/21/2013) All FICO's

I don't ask for much,
The truth will do just fine....

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