@Anonymous wrote:
Any thoughts on this myFico members?
I thought that the GMAC communication was quite informative, and professional.
Not to hijack the thread, but I would send the following letter to Everbank: 
Everbank:
Thank you for your message. Since you pull a credit report from Experian who refuses to allow consumers to obtain their FICO scores, I am sorry but I cannot do business with your bank.
Experian has seen fit to hide FICO scores from consumers. Banks who have failed to have a lack of transparency have been culpable in the current financial meltdown.
Experian and the lenders who use its services are demonstrating an ongoing effort to manipulate the banking and credit system by maintaining policies that are an effort to avoid full disclosure of a consumer's credit worthiness. 
Should you have any further questions, please feel free to contact me by phone or email. 
+1 CreditAble
CreditAble wrote:
@Anonymous wrote:
Any thoughts on this myFico members?
I thought that the GMAC communication was quite informative, and professional.
Not to hijack the thread, but I would send the following letter to Everbank:
Everbank:
Thank you for your message. Since you pull a credit report from Experian who refuses to allow consumers to obtain their FICO scores, I am sorry but I cannot do business with your bank.
Experian has seen fit to hide FICO scores from consumers. Banks who have failed to have a lack of transparency have been culpable in the current financial meltdown.
Experian and the lenders who use its services are demonstrating an ongoing effort to manipulate the banking and credit system by maintaining policies that are an effort to avoid full disclosure of a consumer's credit worthiness.
Should you have any further questions, please feel free to contact me by phone or email.
Starting Score: 469
You never have been able to, nor can you now purchase your FICO score through the EX site. You can only purchase one of their FAKO scores through their site. They are not hiding it, they have arrested it.
Everbank could use another of the CRAs. If enough consumers boycott companies that use this CRA, some lenders will change repositories.
Everbank could use another of the CRAs. If enough consumers boycott companies that use this CRA, some lenders will change repositories.
RobertEG wrote:
I dont understand your proposed letter to Everbank. IMHO, it is harsh and accusatory, and misses the mark.
I dont see how bringing Exp scoring into your transaction with them is at all relevant. If Everbank chooses to make their inquiries through a hard, rather than soft, pull, I think your beef is with Everbank, not Exp.
Exp has its own business reasons for terminating its FICO scoring with FairIsaac on the myFICO site. I dont know what they are, but that is not something that Everbank should or would care about for one second. It is beyond their control. Exp is not "hiding" credit scores, it is just no longer making them available through the myFICO site under contract with FairIssac. You can still buy it directly from them. So why threaten to terminate your business with the bank because of your beef with Exp?
Do you think Everbank gives one hoot about whether or not Exp is still providing FICO scores through the myFICO site?