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How do u get a ExperianFico?

New Contributor

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
Message 1 of 9
8 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 9
Valued Contributor

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. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 3 of 9
Contributor

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.

Message 4 of 9
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 9
Moderator Emeritus

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.

Message 6 of 9
Contributor

Re: How do u get a ExperianFico?

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

Message 7 of 9
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 9
Valued Contributor

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.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 9 of 9