Reply
New Contributor
Aspireto850
Posts: 109
Registered: ‎08-12-2012

How do u get a ExperianFico?

As the subject indicates, I'm curious how to get a ExperianFico Fico score? I have monitoring with free credit reprt and know tht Myfico.com doesn't provide ExperianFico scores so how do I get it?


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: How do u get a ExperianFico?

Experian stopped providing their FICO scores to consumers a coulple years ago.  No one sells it, not even themselves.  You have to have a lender pull or belong to a particular CU in Pennsylvania that provides it to their customers.  Sorry.


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Established Contributor
j_casteel
Posts: 1,012
Registered: ‎06-21-2012

Re: How do u get a ExperianFico?

PSECU member's can get it, but they do not allow consumers to purchase scores now. 

 

Also, not sure how accurate the EX FICO is that AMEX reports in their denial letters, but I've gotten a couple and they state "Experian FICO score on scale up to 850" and I called them to verify that it was a real FICO and they confirmed it for me that it was. 

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700

Proud to say that ALL past due debt has been paid and I never declared BK!!
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012

Re: How do u get a ExperianFico?

What is that EX Vantage score that they sell on their site?  I bought it for $7.95, but don't know what its used for or how close it would be to the EX FICO score.

Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: How do u get a ExperianFico?

It's their own score.  No real correlation to your FICO score. 


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Moderator
llecs
Posts: 31,510
Registered: ‎08-04-2007

Re: How do u get a ExperianFico?


diabla wrote:

What is that EX Vantage score that they sell on their site?  I bought it for $7.95, but don't know what its used for or how close it would be to the EX FICO score.


I'll also add that FICO has a range of 300-850 and Vantage of 501-990. Each factor accounts differently and the scores would be different. You can also get a TU Vantage from CreditKarma.

Contributor
diabla
Posts: 230
Registered: ‎10-01-2012

Re: How do u get a ExperianFico?

Ohhh, so that score they give you is worth....what?  Who uses it?

Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: How do u get a ExperianFico?

No idea...  when I contacted them before I knew what FAKO vs FICO was, they advised me the score was for educational purposes only and may not be what lenders use.


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Valued Contributor
p-
Posts: 1,964
Registered: ‎06-05-2008

Re: How do u get a ExperianFico?


Aspireto850 wrote:

As the subject indicates, I'm curious how to get a ExperianFico Fico score? I have monitoring with free credit reprt and know tht Myfico.com doesn't provide ExperianFico scores so how do I get it?


There's an old Megadeth B-side track that if played backwards reveals the secret rituals by which a consumer can see this score.  Be warned, these rituals are not for the faint of heart.  The ingredients are rare, and chilling... and the ritual itself will leave a deep psychological scar.  You will be changed forever.

  11-27-2012: FICO EXP: 731 - EQU: 723 - TRAN: 731 - AVG: 728 - +178 points from JUN 2008 - MY CREDIT JOURNAL



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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+