score question

[Anonymous]

These were my score from a mortage app on  3/15/2010

i've been working on my score since then

Experian  - 598

Equifax    - 601

Transunion - 565

I checked my myfico on equifax and it is now 630

If it went up 29 points is it safe to say the others went up that many points also.

[Anonymous]

These were my score from a mortage app on  3/15/2010

i've been working on my score since then

Experian  - 598

Equifax    - 601

Transunion - 565

I checked my myfico on equifax and it is now 630

If it went up 29 points is it safe to say the others went up that many points also.

[Anonymous]

If you could pull your Experian report, not the score, compare the info on your Equifax against the Experian. Since the reports from 03/15 showed the scores were close to the same, see what was reporting and how on both the EX and EQ then, and now. Then you can kinda figure. For me before my EQ and EX were very close each other, I think like 2 points off. Since then my EQ has jumped up, and a couple incorrect collections have hidden themselves on my EX, so EX is now much lower. That's pretty much the only way. It all varies.

[Anonymous]

Yea i checked my expierane report the both have updated the same info since then.

But my plus score show a 610.

but i also remember my plus score being lower then what my fico was on 3/15/10

[brenda1924]

Is there somewhere I can go to simulate a score for if old derogatory accounts are removed?  I know myfico offers a simulator but I haven't seen it offer the option to change the number of derogatory accounts.

[Jazzzy]

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@Anonymous wrote:

Yea i checked my expierane report the both have updated the same info since then.

But my plus score show a 610.

but i also remember my plus score being lower then what my fico was on 3/15/10

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There's no way to correlate a Plus score to a FICO score. They use different formulas.

[Anonymous]

oh so how do i find out my experian FICO??

[MarineVietVet]

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@Anonymous wrote:

oh so how do i find out my experian FICO??

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No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

So until Experian sees fit to sell their score to the public again we're all pretty much out of luck.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

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[Anonymous]

Lender pulled only for Experian.

[Anonymous]

but if they were 2 points apart in march and the same info has updated on both is is safe to say they would still be relatively close?

[Anonymous]

probably safe to say pretty close but not necessarily within two points. They all have their own formulas and most have two or three different versions. Then there are auto enhanced and mortgage pulls. It gets complicated but all three have their own scoring system and have different weights for different factors. So say you paid off $2500 in debt they should all go up but you could get 20 points on Equifax and only 10 on Experian. So they should have both went up but no one can say they went up the same because odds are they didnt.