Experian

[barb80]

Hi, I was wondering if any one could help me? We are in the process of looking to get a preapproval for a mortgage. I have had my credit pulled several times by our mortgage lender and I never have a score for Experian. I have a score for EQ and TU. How can I get a score for Experian?

[guiness56]

You are not able to get your own EX score.

There was no score for EX when your lender pulled?  Do you have a CR with EX?

[barb80]

I had EX score last Feb. of 628 and then when I got my secured cc in March of last yr it was gone. Ever since then nothing shows up for EX.

[guiness56]

EX stopped selling their FICO score to the consumer in Feb 2009.  You can only get it through a lender/creditor or a CU in PA.

Can you get a CR from EX?

[cwwatts1202]

Ask the lender that pulled it. The only way to get your EX score is by a lender pull...

[guiness56]

I don't think there was one from the lender either.

[barb80]

Lender has been trying to pull a EX but nothing shows up. And its not only with one lender it's different ones. How can I have a score one month then the next nothing?

[guiness56]

Do you have a CR with EX?

[barb80]

I have the one from last year.

[guiness56]

Would you be able to post anything from that report?

In order to have a FICO you have to have one account that has been open for 6 months

At least one undisputed account that has been reported to the credit bureau with in the past six months

No indication of deceased on the credit report

Since not every creditor reports to all CRAs it is possible you no longer have any TLs on that one.