Get it together Experian!!!

britestar969 · ‎12-12-2012

I'm really wondering what the deal is with Experian?!?!? Their score is almost almost 60 points different than the others. I have checked all 3 reports and they are reporting the same thing!! What gives??

Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700BK7 3/12 DIS 7/12 LAST HP 12/7

Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00

Anonymous · ‎12-12-2012

I'm going to post my own thing, but I hear you. But, I will say this, it is NOT their fault I filed BK, etc; however, I will say that it sucks that I just received my Experian score of 530 when my FAKO CreditKarma Score is 628 (not that that is good). Needless to say, I have a long, long, long way to go. Booooooo

Duncanrr · ‎12-12-2012

my EX is my highest. It's definitely YMMV kind of thing.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Jutz · ‎12-12-2012

EX scores are a giant mystery. They do not sell any model of FICO scores to consumers, so what you are getting is a FAKO. They can be +/- up to 100 points off in some cases. They can be dead on in some cases. The only thing you can do it clean your report as much as possible, get a FICO EQ and TU every now and again and assume your EX is in the neighborhood of those, assuming your profile is similar or the same bureau to bureau. If have a pull done at a bank for a loan of some sort, they can generally tell you what your score was, and what model they pulled. Additionally, if you are ever rejected for credit, or given less than advertised rates based on your EX score, it is required of the creditor to provide you with the scoring they used as a basis.

Bottom line: Don't worry about your EX score, it's not real anyway. Focus on the content of your profile instead.

As an example, here are my EX FAKO scores from three different sources:

Credit Sesame: 663

Quizze: 681

Eliminate ID Theft: 684

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

sphinx313 · ‎12-12-2012

It seems that TU is mostly used by the majority of lenders that I am going after, so as long as this doesn't change the other CRA's can shove it lol. I really wish there was more insight to the scoring models but I won't hold my breath.

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

Take the FICO Fitness Challenge

Duncanrr · ‎12-12-2012

Im still surprised that the feds havent tried to step more into this realm of banking. You would thought after the lending crisis they would had done something (I'm glad they havent but just surprised).

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge