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Question about experian report on this site

Established Contributor

Question about experian report on this site

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

Message 1 of 7
6 REPLIES
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 7
Established Contributor

Re: Question about experian report on this site

Thank you. So is equifax correct on here?

Message 3 of 7
Established Contributor

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
Message 4 of 7
Frequent Contributor

Re: Question about experian report on this site

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outdated and rarely used, if even used at all.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)


Message 5 of 7
Moderator

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).

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 7
Frequent Contributor

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)


Message 7 of 7