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Regular Contributor
krisosa
Posts: 171
Registered: ‎03-11-2009
0

Experian Credit Score

I pulled my EXP score on Experian.com, how many points can I give or take to determine possibly what my real score could be?

 

ty!

Equifax 657
Experian 711 (Per Lender)
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Experian Credit Score

[ Edited ]
There is no reliable formula whatsoever to convert any FAKO to a FICO.

It could be higher, it could be lower, it could be off be a tiny or huge margin, and I suppose it's always possible that it could (accidentally) be the same.


edited to clarify that there are probably a bunch of formulae out there, but none work consistently for everyone all the time, so they're about as worthless as the FAKO's themselves.
Message Edited by haulingthescoreup on 04-07-2009 04:20 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
krisosa
Posts: 171
Registered: ‎03-11-2009
0

Experian

wow! 

 

thanks for ur help!

Equifax 657
Experian 711 (Per Lender)
Established Member
mike3366
Posts: 23
Registered: ‎03-13-2009
0

Re: Experian

I recently pulled my score from EX -684.  I then applied for mortgage refi and they said my EX was 673.  So for me there was a 9 point negative swing.

 

 

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Experian

To add, your FICO can go up and your FAKO through EX could go down for the same thing. One of my last CAs was removed leaving 0 CAs remaining at that time, and my EX FICO (when we could pull it) jumped 58 points. My EX FAKO via EX's PLUS score (same as on EX.com) dropped 8 points when pulled on the same day and same time. As an other example, a new CA appeared and later disappeared, but my EX FICO dropped 103 points. My EX PLUS FAKO score dropped only 60 or so. There's no correlation.
Regular Contributor
krisosa
Posts: 171
Registered: ‎03-11-2009
0

Re: Experian

Hi,

 

Thanks alot everyone.  This is really helping me.

 

K-

Equifax 657
Experian 711 (Per Lender)

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