02-04-2009 07:33 PM
Well, I think the decision sucks, just like every other poster here...but I also realize me getting upset about it isn't going to change the fact that I won't be able to purchase that score soon.
I will buy a new CreditComplete package on the 12th or 13th, & then freeze my Experian report. Almost no one pulls it here anyway, as I live in EQ land. No big loss there.
02-04-2009 07:38 PM
If I put on my foil hat, tilt my head to the right, and hum........... my thinking is that EX will offer huge discounts to lenders to pull from them vs. TU and EQ, thus making them itty bitty players in the cra fico arena. Will it end up that TU & EQ fico's end up being as worthless as FAKO scores if fewer lenders pull from these agencies?
I think it's time for a massive letter writing campaign to begin or we could all participate in a massive sit in at EX headquarters.
This is truly ridiculous!
02-04-2009 07:42 PM
02-04-2009 07:46 PM
Aw..that's my highest score and now I won't even be able to stalk it
You are one of the fortunate ones. You will be able to know your middle and lowest FICO scores. Your mystery Experian score won't hurt you since it should be higher than the scores that you are stalking.
02-04-2009 07:48 PM
I'd say the obvious reason for this is: EX is the one CRA that's really pushing their own brand of FAKO score. Since most people don't know the difference between FICO and FAKO, I'm sure their commercials with the singing moron are making them a bunch of money. But those of us who do know that FAKOs are worthless aren't helping their bottom line, so they're cutting us off.
02-04-2009 07:59 PM
IM NOT HAPPY WITH THIS WHY WOULD THIS BE ANYWAYS? IT SOUNDS TO ME THAT MYFICO'S SUCCES HAS SOMETHING TO DO WITH EVERYTHING....COMPETITION YOU KNOW.
02-04-2009 08:30 PM
It's unfortunate because we have less options at MyFico.com. However, I never was concerned with the Experian score. I have the Equifax and Transunion score and they are so similar, do we really need a third score?
Experian might as well just not make a FICO available to anyone (including lenders), we don't need 'em.
But as long as they are still around, I will just make sure my free annual credit report is right with them, I'm not giving them any money outside of MyFico.com. $0.00.
02-04-2009 08:31 PM
02-04-2009 08:34 PM
02-04-2009 08:36 PM
hmmm...I wonder if Fair Isaac even allows CRA's to sell the FICO score to consumers. The article on credit.com has got my gears turning. Fair Isaac and Experian really need to get this hammered out.
EQ sells a FICO score.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.