03-05-2013 10:21 AM - edited 03-05-2013 10:22 AM
All my negative tradelines from a 2006 CH 7 BK are about gone now, the last 2 fall off next month. So now I'm trying to get back into improving my scores & I know that EX stopped using the FICO credit scoring formula back in 2009, approx. Can someone tell me where I can get an EX credit report & score that recognized (used) by creditors these days?
03-05-2013 11:27 AM
03-05-2013 12:14 PM
The best Ex report version is from annualcreditreport.com or directly from Experian. While the format is different, the report info is the exact same from these two places as is what would be from a mortgage or any other lender. Per FICO, the only advertised place you can get your EX FICO is from PSECU if you happen to have a checking with them. Otherwise you'll have to rely on a lender. There are also some CUs out there that will provide your EX FICO if you ask them, provided they pull EX.