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Experian Scores, is there a Fico?

Frequent Contributor

Experian Scores, is there a Fico?

My Experian scores are all over the place...

 

CreditReport.com (727)

FreeScore Monthly (668)

Credit Sesame (698)

Prosper(638) The worst of all

 

Same day pulls!!! who is the most accurate? No Baddies left, 19% UTI, BK from 2005!! Is there anyone who can paint a close figure to a fico? I'm in the garden till 2014 when i purchase a house(Jan or Feb)

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 1 of 18
17 REPLIES
Super Contributor

Re: Experian Scores, is there a Fico?

FAKO score you can't get a consumer purchased EX score sorry

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 18
Established Contributor

Re: Experian Scores, is there a Fico?


IECredit wrote:

My Experian scores are all over the place...

 

CreditReport.com (727)

FreeScore Monthly (668)

Credit Sesame (698)

Prosper(638) The worst of all

 

Same day pulls!!! who is the most accurate? No Baddies left, 19% UTI, BK from 2005!! Is there anyone who can paint a close figure to a fico? I'm in the garden till 2014 when i purchase a house(Jan or Feb)


https://www.psecu.com/fico/

 

pescu offers free fico for experian

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 3 of 18
Frequent Contributor

Re: Experian Scores, is there a Fico?

You could always ap for a mortage/car loan and request to know what EX FICO score your lender recieved (assuming they pulled EX).

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 4 of 18
Moderator Emerita

Re: Experian Scores, is there a Fico?

Message 5 of 18
Established Contributor

Re: Experian Scores, is there a Fico?


09Lexie wrote:
@zyzzus

Have to be a member for FICO

Smiley Happy I was aware. 

 

I am currently planning on what to app for and who to join with and I had literally just looked at this CU debating on if it was worth it for me or not just for the free EX fico Smiley Tongue

Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000  | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate$25,000

Message 6 of 18
Frequent Contributor

Re: Experian Scores, is there a Fico?

Does PSECU pull Ex for membership? and is it a double pull to apply for a membership and a Credit Card? Maybe Next year ill join them =)

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 7 of 18
Frequent Contributor

Re: Experian Scores, is there a Fico?

If you don't want a Hard Pull,

 

I'd say $20/ membership is WORTH the elusive Experian FICO score Smiley Very Happy Smiley Very Happy Smiley Very Happy

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 8 of 18
Valued Contributor

Re: Experian Scores, is there a Fico?

Not worth a hard pull to find out, IMO. I'd go with the assumption that the lower of your TU & EQ scores is what you're looking at.

 

However, here's one workaround - if you have a CC that pulls Experian, and you ask for and are denied a CLI with a soft pull and they reject you based on score, they have to give you that score.

 

YMMV.

 

It's also my understanding that you can no longer join PSECU if you don't live in PA. Do you live in PA?

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Message 9 of 18
Frequent Contributor

Re: Experian Scores, is there a Fico?


mauve wrote:

Not worth a hard pull to find out, IMO. I'd go with the assumption that the lower of your TU & EQ scores is what you're looking at.

 

However, here's one workaround - if you have a CC that pulls Experian, and you ask for and are denied a CLI with a soft pull and they reject you based on score, they have to give you that score.

 

YMMV.

 

It's also my understanding that you can no longer join PSECU if you don't live in PA. Do you live in PA?

 


There's an option on the link that says if you're not a resident of PA you cant become a member for $20.

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 10 of 18