New Experian FICO

[smallfry]

Same neggies Hauling. Public record short credit history and recently looking for credit. I have 3 new accounts in the past 16 months. Citi card May 2008 BofA card August 2008 and new car loan September 2008. My scores didn't drop until the car loan reported. Curiously this is the lowest reported balance on my cards since I started pulling only $122. Paid down the car loan from $24.5K to $18.5K since 9/2008 too. I dunno. The reported balance was on the Navy card but they did pick that up. 2 accounts out of 7 reporting a balance. 1 car loan and 1 credit card. 

Message Edited by smallfry on 01-08-2009 07:46 PM

[haulingthescoreup]

Wow! I know that EX was pretty hostile about my auto loan, but I thought that was because it was brand new, and therefore at 100%. The following month, all the other new stuff hit, so I can't say what changes might have happened after that.

[Anonymous]

I happen to like credit expert as a monitoring service.  They always get reports first and they are always correct (unlike Equifax).  I do believe I stated the difference between My
Fico EX and EX plus.  God--- you guys are like mad dogs.  Give it some break and READ what people write.

And like or not some creditors pull from EX direct.  like my apt. complex.

If you read the beginning of EX on my fico it will tell you they do not supply information to my fico thereby causing a different score.  check it out.

Message Edited by casinoannie97 on 01-09-2009 07:12 PM

[smallfry]

---

@Anonymous wrote:

I happen to like credit expert as a monitoring service.  They always get reports first and they are always correct (unlike Equifax).  I do believe I stated the difference between My
Fico EX and EX plus.  God--- you guys are like mad dogs.  Give it some break and READ what people write.

And like or not some creditors pull from EX direct.  like my apt. complex.

---

Annie it doesn't matter what your Plus score is. No one uses it. I don't think anyone was trying to be mean or anything. Credit Expert only updates monthly right? 

[Anonymous]

No you can get an updated report whenever you want.  I was trying to show him the difference between fico and plus.  I know it doesn't mean anything but it shows the difference between the two.  No one bothers to read what you say just what they want to read.  EQ is the cra that makes all  the errors and you can't get it corrected to save your soul.

Someone on this forum asked if we noticed the climate was changing and YES it is.

Like I said my apt. complex pulled straight EX and got the plus score.

Message Edited by casinoannie97 on 01-09-2009 07:05 PM