Experian Score

[wildbillcody]

How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

[pakman92]

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@wildbillcody wrote:

How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

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Consumers cannot pull real Experian FICO scores, so what you pulled was a FAKO, likely a PLUS score.  That score is useless.

[wildbillcody]

Yes I knew that but i didn't expect the numbers to be so different. My other scores matched up with the lenders pretty much right on and I just didn't think there would be a 38 point difference

[pakman92]

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@wildbillcody wrote:

Yes I knew that but i didn't expect the numbers to be so different. My other scores matched up with the lenders pretty much right on and I just didn't think there would be a 38 point difference

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I don't think this is uncommon.  my credit karma (Transrisk score) is almost 40 points different that my TU FICO 08

[mojobones89]

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@wildbillcody wrote:

How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

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credit bureaus have their own system,lenders most of the time have an internal system that base your credit report to their standards and criteria.