Rebuilding Your Credit

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Regular Contributor
TwinGirls19
Posts: 236
Registered: ‎01-29-2012

Re: Capital one platinum approved... Yes!!!!!

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‎04-02-2012 06:07 AM

i know... about to put a freeze on my experian. what are some good sites to get a close to accurate experian report/score or are all fakos the same?

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

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Established Member
dredre98
Posts: 24
Registered: ‎03-01-2012

Re: Capital one platinum approved... Yes!!!!!

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‎04-02-2012 06:47 AM

I don't know. My Experian PLUS score from Experian's website is 662, but my Experian FICO is 636. From what I've learned, the only real FICO score you can ever buy is Equifax because my Transunion FICO from myfico.com is 630, but the Transunion FICO my lender pulled was 657. That's still an almost 30 point difference between actual FICO scores.
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Frequent Contributor
Adalen
Posts: 347
Registered: ‎05-01-2007

Re: Capital one platinum approved... Yes!!!!!

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‎04-02-2012 07:44 AM

I think the issue with TU is that there are several different FICO types.. TU98, TU04 and TU08 - so who knows who is using what.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
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Regular Contributor
TwinGirls19
Posts: 236
Registered: ‎01-29-2012

Re: Capital one platinum approved... Yes!!!!!

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‎04-02-2012 09:45 AM

I agree ive heard there are differrnt version. Which stinks because each version produces a different score
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

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