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Established Member
thel222
Posts: 15
Registered: ‎12-27-2012

Experian question (+ some good news)

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?

 

 

 

 

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Experian question (+ some good news)

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.

Established Member
thel222
Posts: 15
Registered: ‎12-27-2012

Re: Experian question (+ some good news)

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!

Moderator
pizzadude
Posts: 8,662
Registered: ‎01-28-2010

Re: Experian question (+ some good news)

[ Edited ]

 

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

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012

Re: Experian question (+ some good news)

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. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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