06-26-2012 06:11 AM
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
06-26-2012 06:49 AM
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!
06-26-2012 07:08 AM
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.
06-27-2012 05:52 AM - last edited on 06-30-2012 08:17 AM by MarineVietVet
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
06-27-2012 08:19 AM
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.
06-30-2012 12:56 PM
Try freecredit.report .com
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...
07-07-2012 07:35 AM
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
07-07-2012 08:02 AM
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