General Credit Topics

[KeithW]

While TU and EQ have generally the same info on me Experian seems to have only about 1/4 of my credit information. It is pretty lacking. Do lenders still use all three?

[webhopper]

They do for mortgages...  How come your EX is missing info?

Are all of the missing accounts associated with a specific address of yours?

[KeithW]

I haven't a clue. It seems that most of my accounts just don't report to them. Of course on the flip side it doesn't have any of the derogatory marks either. My score straight from Experian is 700. Not sure how to get a FICO score from them.

[pizzadude]

Unfortunately no one can buy a FICO score from EX.   You would have to get it from a creditor.

And there are many, many creditors who pull EX.    AMEX comes to mind.   Also EX is heavily pulled on the west cost as well.

For me there isn't much difference in what shows on EX versus the other two CRAs, they are fairly consistant.

[bettercreditguy1]

Good eve Keith,

Dittio for me. Experian only has about 1/4 of the trades that TU and Equifax report. They do have my remaining negative reported though.

[pakman92]

for me my ex report ispretty much identical to tu and eq.  all  have 23(?) tls. about half of them closed

[kjm79]

Check with the creditors who are missing from EX. It may just be that they don't report to EX.  Could also possibly be a split file issue????

[LS2982]

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KeithW wrote:

While TU and EQ have generally the same info on me Experian seems to have only about 1/4 of my credit information. It is pretty lacking. Do lenders still use all three?

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Yes, very much so. If you ever want an AMEX card they almost exclusively pull EX.