No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Yesterday i attempted to purchase my experian fico score from experian @ 800-787-6864 a number myfico gave me. i called and was told that they didnt sell experian fico scores and that the only way to get it would be from a lender. she said to apply for a loan and the bank/lender would do the calculations and give me my score. i do not intend to apply for credit i neither want or need, as i don't want a hard inquiry on my account which will lower my score. i just two days ago, by chance, found out that the cerdit scores being sold out there online are not the scores creditors use. i plan to purchase my equifax and transunion fico scores from myfico.com which is simple enough but i spent 40 minutes on the phone with EXPERIAN yesterday trying to get a straight answer as to how to purchase the fico score EX[PERIAN has for my credit worthiness. i got nowhere. can someone please tell me how. any advice suggestions that do not require i apply for new credit/loans will be greatly appreciated. i t hank you in advance. pls send responses asap
Unfortunately the rep you spoke with at Experian is correct! Experian no longer offers Fico scores to consumers unless you get it from a lender! Word on the street I believe is that there is a credit union in PA if you are a member they will give you EX score!! I think there is one other but I can't remember who it is! You can do a search on here there are several posts regarding the EX score!
Ditto. Experian blocked consumers access to your own FICO score 3-4 years ago. MyFICO.com does offer FICO scores for EQ and TU. Equifax.com and TransUnion.com will sell you scores but they aren't FICO scores.
DOES ANYONE KNOW OF A WAY TO GET YOUR EXPERIAN FICO SCORE THAT DOESN'T INVOLVE AN HARD INQUIRY? OF ALL THE AGENCIES WHY IS EXPERIAN SUCH Edited ABOUT THIS? I JUST RECENTLY DISCOVERED (QUITE BY CHANCE) THE EXISTENCE OF FICO SCORES. ALL THAT MONEY SPENT ON SCORES WHICH IT TURNS OUT CREDITORS DONT ENEN CONSUDER.; TO SAY THE LEAST I'M PISSED, BUT ON TOP OF THAT NOW THEY WON'T GIVE OR SELL ME THIS NUMBER WITHOUT TAKING THE HIT A HARD INQUIRY PRODUCES. IS THERE ANY PROVEN OR TESTED WAY OF DOING THIS? ANYONE?
BY THE WAY THANK YOU TO THOSE WHO HAVE RESPONDED I JUST WISH YOU HAD THE ANSWER TO MY PROBLEM. THANK YOU EVERYBODY IN ADVANCE
leahjoy79 wrote:
Welcome to the forums !
You'll have to go to a creditor to get your EX FICO score. There is a credit union, PSECU, that offers free monthly EX scores to its members ~ check their website to see if you are eligible to join. Otherwise it will cost you an inquiry to see your EX FICO.
Also check your CAPS LOCK button ~ it is hard on the eyes to read all CAPS and some people interpret it as SCREAMING.
Try freecredit.report .com
@underscore wrote:Try freecredit.report .com
Hi there.
None of the scores there are FICO scores. They are called "PLUS" scores and no lender uses them.
@MarineVietVet wrote:
@underscore wrote:Try freecredit.report .com
Hi there.
None of the scores there are FICO scores. They are called "PLUS" scores and no lender uses them.
1st post recommending a FAKO site and nothing else. Hmm...
on the bottom of your post it says gained 22 points onTU for last derog falling off (120) 19% util now, -0 util 8/2012 i am new to this so i don't understand and what do you mean about 1st post recommending a FAKO site and nothing else? please what is a FAKO site, what is or does last derog falling mean would greatly appreciate any insights you could shed
I recently tried to obtain my EX score from the website directly. After a few questions, I was given a message stating that my identity couldn't be verified and I would receive a 4-digit pin in the mail to finish to finish the identity process. I will keep everyone posted on the outcome of this