01-07-2013 08:41 AM
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?
01-07-2013 08:47 AM
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.
01-07-2013 09:08 AM
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!
01-07-2013 09:11 AM - edited 01-07-2013 09:12 AM
Unfortunately the only way to obtain an Experian FICO score is from a lender / creditor. As consumers we cannot purchase an EX FICO score.
01-07-2013 09:48 AM
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.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO