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Experian FICO

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Regular Contributor

Experian FICO

I noticed that Experian FICO scores are now available.   I was shocked t see that I show a score of 850!!!!!!!!!!!!!!!!!!

 

My other two scores are good (802 TU and 817 EQ) but I certainly did not expect to see an 850.

Message 1 of 21
20 REPLIES
Super Contributor

Re: Experian FICO

Wow !!! Congrats, that's fantastic !! Does your EX report show older tradelines or other info that isn't on the other two?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 21
Member

Re: Experian FICO

That's awesome!
Message 3 of 21
Epic Contributor

Re: Experian FICO

Message 4 of 21
Regular Contributor

Re: Experian FICO

I don't see anything t.   fferendi

Message 5 of 21
Valued Contributor

Re: Experian FICO

Congrats on 850!!

Only in my wildest dream


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 6 of 21
New Visitor

Re: Experian FICO

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

Message 7 of 21
Epic Contributor

Re: Experian FICO


050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks


Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.

Message 8 of 21
Moderator Emeritus

Re: Experian FICO


guiness56 wrote:

050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks


Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.


Isn't that the TU versions?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 21
Epic Contributor

Re: Experian FICO


Shogun wrote:

guiness56 wrote:

050403 wrote:

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks


Different scoring models/versions.  The one here is the 08 version and most lenders use the 04 version.


Isn't that the TU versions?


Most mortgage lenders use the 04 models of all the scores.   Is that what you are asking?

 

The FICO 04:

 

EQ = Beacon 5

 

TU = FICO Risk Score, Classic 04

 

EX = Experian/FICO Risk Model v2

Message 10 of 21