06-15-2012 09:07 PM
PSECU offers a EX FICO to members. Otherwise you'll have to get it from a creditor that pulls EX like a mortgage lender, or AMEX.....
Where can I find a FICO EXP score?
06-16-2012 10:49 AM
Im a new member, can you explain what PSECU is? So AMEX uses a FICO EX model? To get AMEX to help me out that would mean applying for the card and a HP? and Thanks for your wonderful input. I am really loving this forum. Had no idea this existed. THANKS....
06-16-2012 11:42 AM
06-18-2012 07:01 PM - edited 06-18-2012 07:04 PM
As PizzaDude said, PSECU is a PA credit Union....more specifically, it's the largest teacher's credit union in the state. I'm a member through my brother and my wife. Getting my EX FICO through them is the only reason I even joined. Cool perk. From what I can tell, it's the real FICO that banks actually see...not some outdated Experian Model that is no longer used by lenders.
I find it ironic that EX no longer sells its score to consumers since it's the one most used by banks for non-federal program mortgages like SBA and Fannie/Freddie mortgages.
As to your question about AMEX....
Amex generally pulls EX, in my experience, when you apply for a card....provided they only pull one. In 2 apps I have made with them, it's the only score they pulled. When you apply, they'll tell you the score.
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.>> About myFICO