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Regular Contributor
Posts: 121
Registered: ‎04-23-2009
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Accurate EXPERIAN credit score?

I know EXP doesn't use the Fair Isaac model anymore.  Can anyone tell me where I can get an accurate experian credit score.  I recently had my scores pulled by my mortgage broker..and there was a 60 point difference then what i was getting from the experian site, via freecreditreport.com.  My 'MYFICO' scores were within 4 points! 

 

 

 

7/13/09- TU 599/ EQ 589 / EXP FACO 659

4/23/09- TU 508/ EQ 533 / EXP FAKO 588


Starting Score: TU04: 603 EQ: 613
Current Score: TU04: 667/EQ: 670/ EXP(LO Pull): 676
Goal Score: 710


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Established Contributor
Posts: 795
Registered: ‎04-13-2009
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Re: Accurate EXPERIAN credit score?

Experian still uses the FICO model, it just no longer sells that score to the public.  The only places to get a real Experian FICO score is with a mortgage application (as you have done), or if you're eligible to join PSECU.  Freecreditreport.com sells the Experian PLUS score.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: Accurate EXPERIAN credit score?


tbone74 wrote:

I know EXP doesn't use the Fair Isaac model anymore.  Can anyone tell me where I can get an accurate experian credit score.  I recently had my scores pulled by my mortgage broker..and there was a 60 point difference then what i was getting from the experian site, via freecreditreport.com.  My 'MYFICO' scores were within 4 points! 

 

 

 

7/13/09- TU 599/ EQ 589 / EXP FACO 659

4/23/09- TU 508/ EQ 533 / EXP FAKO 588


 

The only way I am aware is if you can join PSECU (Penn State Employee's Credit Union), who provide EX FICO each month to their members free.  This CU pulls EX exclusively as well.  However, membership is restricted so unless you can qualify or are related to somebody who is eligible, you can't get in.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
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