Rebuilding Your Credit

[thel222]

During the last week of December, I finally mustered the courage to check my reports and found my Equifax = 650, but my credit file was too thin to generate a report for Experian or TU.  After following the advice you guys have generously given me, here's where things stand:

EQ = 682 (From MyFico)

TU = 667 (From Annual Report)

EX = ?

I was able to finally pull a report from EX, but I don't see a number. Am I missing something?

[llecs]

Experian offers several products that include reports only and others that include a score. Sounds like you purchased a product that included a report only. Also note that there are no FICO scores on Experian's website. They sell a score, but it isn't a FICO and lenders don't use it. Likewise, there are no FICO scores available via TranUnion.com or annualcreditreport. The score you have is a FAKO called a VantageScore.

[thel222]

Sorry, I was mistaken.  That TU score came from the report I purchased through MyFico, so I think it's legit.

The Experian report wasn't purchased.  I ordered it from from the annualcreditreport.com.  If there are no FICO scores available from annualcreditreport.com, then how do I obtain one?  If that's not possible, how do I obtain an Experian FAKO?

Thanks for the info!

[pizzadude]

Unfortunately the only way to obtain an Experian FICO score is from a lender / creditor.   As consumers we cannot purchase an EX FICO score.

[jandj80]

Join credit sesame. Its a lot like Credit Karma, but you get an experian equivalency score, which is still a FAKO. However, this score (for me) is actually VERY close (in my case exactly the same) as my FICO from an EX pull.