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Established Contributor
Posts: 568
Registered: ‎11-08-2012
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Question about experian report on this site

the experian score on this site you can buy, is it accurate?

Super Contributor
Posts: 8,928
Registered: ‎06-19-2013
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Re: Question about experian report on this site

the score here is accurate for what it is, Its an fico score 08 version if i recall correctly. The bad news is there are over 50 different version of fico scores out there.



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 4/21/15 819 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 5/7/15 791 Fako 808 Creditkarma 5/11/15
Established Contributor
Posts: 568
Registered: ‎11-08-2012
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Re: Question about experian report on this site

Thank you. So is equifax correct on here?

Established Contributor
Posts: 769
Registered: ‎05-22-2011
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Re: Question about experian report on this site

good morning, I've seen post from members of the forum that has stated their Equifax score was right on the money when they had a lender pull or when they were applying for some sort of credit.  The other scores, I try not to get too excited about on here cause you just never know what's real until someone has to pull your credit. All we can do is try to maintain healthy credit.

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013
Frequent Contributor
Posts: 465
Registered: ‎10-11-2013
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Re: Question about experian report on this site

[ Edited ]

The EX FICO on this site is the newest model, 08.  Some on here have stated that it matched the score some CCC's pulled.  I don't believe the EX08 is used by a large amount of lenders yet.  The TU here is TU98....outdated and rarely used, if even used at all.   The EQ FICO is 04 model (Beacon 5.0), which will be the same score used by most Mortgage lenders.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Community Leader
Senior Contributor
Posts: 19,916
Registered: ‎12-13-2013
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Re: Question about experian report on this site


Booboo71 wrote:

Thank you. So is equifax correct on here?


Yes for its version used.

 

This site gives a TU98, EQ Beacon 5 (04) and an EX 08. There are 49 different versions in each FICO year (bankcard, auto, collection, mortgage, etc).

EX Fico 08 BC 05/15: 792 (+2); EX Fico 04 V2 06/14: 775
EQ Beacon 5.0 12/14 757
TU Fico 8 05/15: 764 (+7)
Frequent Contributor
Posts: 465
Registered: ‎10-11-2013
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Re: Question about experian report on this site

I just read on another thread that myFICO has recently changed the EQ FICO model to beacon 9.0/EQ08.   I wonder if that is true.  If so, that kinda sucks.  Why don't they just leave well enough alone with the product that most lenders are still using?  If this is true...then myFICO, you lost my SW business...i'll just subscribe to EQ's SW.

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


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