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Regular Contributor
IECredit
Posts: 208
Registered: ‎07-15-2012
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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 Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: DCU Plat. $10,000 | Logix 10,000 | Chase Freedom $1,000 | Discover $3,600 | WalMart $3,500 | Paypal MC $4,000 | Cap 1 QuickSliver $6,000 | Barclay NFL $3,400 | Best Buy $1,000 | Cap 1 Venture $4,000 | IN THE GARDEN(5/6/13)
10 Accounts $46,500 Revolving
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Senior Contributor
myjourney
Posts: 26,347
Registered: ‎02-07-2013
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Re: Experian Scores, is there a Fico?

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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
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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- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013
0

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



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09Lexie
Posts: 25,442
Registered: ‎09-13-2012
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Re: Experian Scores, is there a Fico?

Established Contributor
zyzzus
Posts: 539
Registered: ‎10-22-2012
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Re: Experian Scores, is there a Fico?


09Lexie wrote:
@zyzzus

Have to be a member for FICO

:smileyhappy: 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 :smileytongue:

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Regular Contributor
IECredit
Posts: 208
Registered: ‎07-15-2012
0

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 Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: DCU Plat. $10,000 | Logix 10,000 | Chase Freedom $1,000 | Discover $3,600 | WalMart $3,500 | Paypal MC $4,000 | Cap 1 QuickSliver $6,000 | Barclay NFL $3,400 | Best Buy $1,000 | Cap 1 Venture $4,000 | IN THE GARDEN(5/6/13)
10 Accounts $46,500 Revolving
Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013
0

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 :smileyvery-happy: :smileyvery-happy: :smileyvery-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



Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010
0

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


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Frequent Contributor
GaTech
Posts: 374
Registered: ‎02-10-2013
0

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




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