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Valued Member
Posts: 37
Registered: ‎01-06-2011
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Best Site to get Experian Score

Hello everyone, I am trying to find a reliable site to get my experian credit score.  I currently use premiercreditmanager.com and my score is 548.  I tried creditsesame.com and my score is 608 and quizzle.com shows me a score of 571.  Which score should I refer to for accuracy purposes,


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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Regular Contributor
Posts: 127
Registered: ‎12-04-2011
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Re: Best Site to get Experian Score

You can not buy your EX FICO anymore so it's purely a guessing game.  I know for me that Credit Sesame has been +-5 points within what my lenders have pulled for me though.

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Posts: 17,306
Registered: ‎07-14-2009
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Re: Best Site to get Experian Score


Jennifer331 wrote:

Hello everyone, I am trying to find a reliable site to get my experian credit score.  I currently use premiercreditmanager.com and my score is 548.  I tried creditsesame.com and my score is 608 and quizzle.com shows me a score of 571.  Which score should I refer to for accuracy purposes,


HI there.

 

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

 

Unfortunately none of those sites you listed sells EX FICO scores.

 

 

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: 37
Registered: ‎01-06-2011
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Re: Best Site to get Experian Score

Thank you, I was only trying to find a company that would get me as close as possibe to what the lnders would see.


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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Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Best Site to get Experian Score

 

You could always app for a CC with a creditor that always pulls EX.  AMEX is well known to always pull EX, if you are denied they will give your EX FICO.   And also they seem to provide this if you get approved.  

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator
Posts: 17,306
Registered: ‎07-14-2009
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Re: Best Site to get Experian Score


Jennifer331 wrote:

Thank you, I was only trying to find a company that would get me as close as possibe to what the lnders would see.


Trying to compare FICO scores to non-FICO (FAKO) scores is an exercise in futility. A FAKO score could be much higher or lower than a FICO score and there is no formula to convert one to the other.

 

My advice is to ignore all FAKO scores all the time.

 

 

 

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: 37
Registered: ‎01-06-2011
0

Re: Best Site to get Experian Score

Thank you for the advice, I guess I will just stick to the scores obtained by the Myfico site.


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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Moderator
Posts: 17,306
Registered: ‎07-14-2009
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Re: Best Site to get Experian Score


Jennifer331 wrote:

Thank you for the advice, I guess I will just stick to the scores obtained by the Myfico site.


You can get a TU08 (latest version) score monthly if you have a store card or Discover card through Walmart. There is a credit union (DCU) that provides it's members a monthly EQ score.

 

Equifax will still sell you a FICO score from their website found here: www.equifax.com/web-myfico-products/

 

 

 

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: 37
Registered: ‎01-06-2011
0

Re: Best Site to get Experian Score

Does Myfico offer a TU08 score or no? I also have Truecredit for my Transunion score and Myfico is about 10-15 points higher.


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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Valued Contributor
Posts: 1,585
Registered: ‎04-06-2011
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Re: Best Site to get Experian Score

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

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 709 06/15 (ChaseSlate), TU08 695 05/15
Goal Score: 725+ across the board


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