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Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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Re: Best Site to get Experian Score

[ Edited ]

-Cain- wrote:
myFICO does not offer TU08. It offers TU98. I do not believe Truecredit is a FICO score.



The scores from TC are VantageScores and although a few lenders use the VS it's still not reliable IMO.


ETA: (With all due credit to long time member llecs for this):

"Virtually everyone sells scores, but they are not all FICO scores. If you got scores from the big 3, then very likely 2 or all 3 of them are not FICO scores. Experian and TransUnion do not sell FICO scores on their website. We call these non-FICO scores, FAKOs, and can easily be as much as a few points to 100+ points off your real FICO when pulled the same day. If it didn't say "FICO" next to the score, then it isn't.

Other companies (e.g.,, truecredit, creditkarma, Equifax Credit Complete, Quizzle, and dozens of others out there) sell scores, but they are nothing more than gimmicks and lenders don't use them. They do this because they want to avoid paying any fees to FICO and when they say "credit score" people buy it anyway on the assumption that it is a FICO. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e.g. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on)."




From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Valued Member
Posts: 38
Registered: ‎01-06-2011
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Re: Best Site to get Experian Score

Thanks for the clarification.

Starting Score: 1.12.2011 EQ 467
Current Score: 5.14.2012 EQ 605 EX 561 TU 622 (Walmart)
Goal Score: 750

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