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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
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CreditXpert from Wells Fargo VS FICO what are the difference?

I have CreditXpert® Scores1  Through Wells Fargo credit protection

 

What are the difference between FICO?

 

Thanks

 

im decising wich one use for my C Score

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010
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Re: CreditXpert from Wells Fargo VS FICO what are the difference?

Credit Expert is not a FICO score.

 

You can use the reports for monitoring your credit reports, but the scores are pretty much useless.

Good Luck
May all your dreams and wishes become a reality!
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: CreditXpert from Wells Fargo VS FICO what are the difference?


JM-AM wrote:

Credit Expert is not a FICO score.

 

You can use the reports for monitoring your credit reports, but the scores are pretty much useless.


is the Wells Fargo a FAKO?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010
0

Re: CreditXpert from Wells Fargo VS FICO what are the difference?

I am confused what you are asking now.

 

Credit Expert purchased through Wells Fargo is a FAKO score.

 

Since Im in the mortgage industry I see many people come in and argue their scores according to the FAKO scores they pull. Its always the argument that they got them from Bank so and so. Now there are some Banks and Credit Unions that do offer FICO scores and the score will say FICO score.

 

There is a sticky in this forum, that gives you plenty of usefull information on CMS (credit monitoring services), the cost at the time of posting, what type of scores they give you, how many times you can obtain your scores, etc etc...

Good Luck
May all your dreams and wishes become a reality!
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: CreditXpert from Wells Fargo VS FICO what are the difference?


JM-AM wrote:

I am confused what you are asking now.

 

Credit Expert purchased through Wells Fargo is a FAKO score.

 

Since Im in the mortgage industry I see many people come in and argue their scores according to the FAKO scores they pull. Its always the argument that they got them from Bank so and so. Now there are some Banks and Credit Unions that do offer FICO scores and the score will say FICO score.

 

There is a sticky in this forum, that gives you plenty of usefull information on CMS (credit monitoring services), the cost at the time of posting, what type of scores they give you, how many times you can obtain your scores, etc etc...


I see that post but I did not see a reference to the wells fargo one.

 

Thanks

 

I ll stay with myFICO, Thanks! :smileyhappy:

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: CreditXpert from Wells Fargo VS FICO what are the difference?

You're limited on the places to get your FICO score.

You can only buy your EQ FICO from myFICO, your lender, or from Equifax.com (buyer beware: the scores they push are a FAKO, but your EQ FICO can be purchased through EQ).

You can only buy your TU FICO from myFICO or your lender.

Finally, you can only buy your EX FICO from your lender. As of a few years ago, Experian blocked consumer access to your own EX FICO.

Aside from the above, you can also get your FICO scores for free or at a reduced price. Banks and CUs will offer it as a benefit. M&T Bank, Unitus Community Credit Union, and Digital Credit Union each offer an EQ FICO. You can get your TU FICO from Wal-Mart or Merrick Bank if you have CCs with them. And you can get your EX FICO from PA State Employees Credit Union (PSECU) if you have a checking account with them. There are other CUs out there that will offer a FICO if you ask them as part of a benefit for being a member.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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