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Aspireto850
Posts: 109
Registered: ‎08-12-2012
0

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
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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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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

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
j_casteel
Posts: 1,907
Registered: ‎06-21-2012
0

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. 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $17.5k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
0

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.

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: How do u get a ExperianFico?

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


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

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
0

Re: How do u get a ExperianFico?

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

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
p-
Posts: 2,633
Registered: ‎06-05-2008
0

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.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 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.

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