No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hey Everyone:
My experian score is my lowest score and I don't understand how is it is so much lower than my Equifax and Transunion scores. I had a judgement that was vacated and both Transunion and Equifax took it off right away, with Experian I have initiated a dispute. This is very disheartening since I have been working my tail off to improve my scores. Clearly, I have to work harder for my Experian score to go up. Anyone has any advice?? Thanks!
You need to look at your what is on your EX report - if the judgment is still there then it will drag your scores down.
Can I ask where you obtained your scores ? Consumers can't obtain Experian FICO scores directly, they have to come from a lender / creditor.
I received my score on experian.com and my equifax and transunion from myfico.com
Your EX score is a FAKO since EX doesn't allow the sell of their FICO scores.
@Sass2009 wrote:I received my score on experian.com and my equifax and transunion from myfico.com
The EX score you received is a FAKO score, is not used by any lenders, and can't be correlated to a FICO score. Ignore it, just focus on cleaning up your EX report.
Thank you guys so much for the information. I do not know the difference between FICO and FAKO and will research it tonight. My question now is: is the information on my experian fako the same as my experian fico?? the judgement is still on my experian fako report and would need that removed immediately since it was vacated in late november.
Yes, the reports will be the same, it's just the score.
Take a look at these two sticky threads, should help you understand differences between FICOs and FAKOs: