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Frequent Contributor
molly73
Posts: 381
Registered: ‎05-18-2008
0

Re: EX Fico Score - Where Can I Get It Now?

so....the EX score i get from credit check total......is that going to be the same score CC's & lenders are going to see and use when they pull my EX score?

 

I did not know that they developed their own scores.....so EX FICO scores no longer exist?  

 

so confused..but i had a feeling that they did this so people would use their sites.

Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: EX Fico Score - Where Can I Get It Now?


molly73 wrote:

so....the EX score i get from credit check total......is that going to be the same score CC's & lenders are going to see and use when they pull my EX score?

 

I did not know that they developed their own scores.....so EX FICO scores no longer exist?  

 

so confused..but i had a feeling that they did this so people would use their sites.


EX FICO exists, they have to provide it to businesses who ask, they just don't provide that to the consumer and force the consumer to only get their own PLUS score which is useless but a source of income for them.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: EX Fico Score - Where Can I Get It Now?

The score from CCT is not a FICO EX score, its a FAKO, and a lender will not use this score. FICO EX scores still exist but you and I cannot buy it.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Frequent Contributor
molly73
Posts: 381
Registered: ‎05-18-2008
0

Re: EX Fico Score - Where Can I Get It Now?

thans for the info!

 

the PLUS score....is that what i get from credit check total.....or is that something else i have to pay for.....i pay for the cct subscription

Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: EX Fico Score - Where Can I Get It Now?


molly73 wrote:

thans for the info!

 

the PLUS score....is that what i get from credit check total.....or is that something else i have to pay for.....i pay for the cct subscription


Pretty much. Although I am not sure when they shove the PLUS and when they shove the Vantage score, but either way they are useless to us. So if it comes for free, eh, but if not then don't pay for it.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: EX Fico Score - Where Can I Get It Now?


molly73 wrote:

i remb when they stopped offering it on myfico....i just did not know if they decided to offer it on their own....but it still looks like they are barring consumers from seeing it....makes no sense.

 

why can't they offer the real EX FICO scores on sites that they own....that is what gets me!!



They never did offer it on their own site.

Up until 2/13/09, the only place that you could buy your FICO EX was here, on myFICO. Every other EX "credit score", including those directly from EX, have always been FAKO's.

Now you have to apply for a mortgage (!!!) to have the right to see your FICO EX.

:smileymad:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
fishbjc
Posts: 3,430
Registered: ‎11-30-2007
0

Re: EX Fico Score - Where Can I Get It Now?

EX can BITE ME.  Bunch of bottom-feeders.  I am absolutely going to make sure I don't use anyone who pulls EX whenever possible.  Most of my inq. were TU and EQ anyway.

 

 

Frequent Contributor
molly73
Posts: 381
Registered: ‎05-18-2008
0

Re: EX Fico Score - Where Can I Get It Now?

i know that there have been threads in the past about who pulls what......but what about a thread/sticky on companies that don't pull EX.

 

i maj just start looking at CUs...for the most part i think they only pull EQ

Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: EX Fico Score - Where Can I Get It Now?


fishbjc wrote:

EX can BITE ME.  Bunch of bottom-feeders.  I am absolutely going to make sure I don't use anyone who pulls EX whenever possible.  Most of my inq. were TU and EQ anyway.

 

 


I know how you feel. Now calm...don't let them ruin your day any more than they have.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: EX Fico Score - Where Can I Get It Now?


molly73 wrote:

i know that there have been threads in the past about who pulls what......but what about a thread/sticky on companies that don't pull EX.

 

i maj just start looking at CUs...for the most part i think they only pull EQ


As stated many times, there is no way to know who pulls what as there is no rule for this. They all can and will pull from whom they want and its many times dependent on where YOU live too, so that would not serve a real purpose, although I am all for trying.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800



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