Wide disparity between EX Score pulled from MYFICO and FreeCreditReport...what gives?

[Anonymous]

I've been working on my scores for two years and have brought them up significantly in that time.  In 2007 my scores were in the low 500's and here in early January they were as follows:

TU: 639

EQ: 657

EX: 638

I pulled my the my EQ and TU reports yesterday and the scores were as follows:

TU: 641

EQ: 669

In an effort to get some kind of score from EX I pulled a free credit report from the site with the singing idiots yesterday and found that my actual credit report had not changed one iota.  However, the score they gave on the last page of the report indicated a Plus Credit Score of 520!?

That's an almost 120 point drop since January with absolutely no changes to the underlying data!

Is this the result of EX issuing a FAKO score versus a FICO score or what?  Any thoughts on what's going on here?

[Guardian]

Well FICO and FAKO are different. When you get it from myFICO, you are getting the real FICO score. When you get from FreeCreditReport, you are getting Experian's FAKO useless score based on their Vantage/Plus model. Don't waste your money, no one uses it, no one cares about it and it means near nothing. Hope that clears it up for you.

[haulingthescoreup]

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dally4u wrote:

In an effort to get some kind of score from EX I pulled a free credit report from the site with the singing idiots yesterday ...

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ROFLMBO

Hi, daily, welcome to the forums!

+ as to what Guardian said. The Vantage scores (and PLUS scores, and TransRisk scores, and Bubba's House of Live Bait and Credit Scores scores) are derived from completely different formulas than the FICO scores, so they are very much apples and oranges. No correlation whatsoever.

That's an impressive FICO/ FAKO differential! But as long as the actual data on the report hasn't changed, your FICO EX probably hasn't much changed either, other than a possible inching upward, paralleling the changes in your TU and EQ.

*heads off to work singing I married my dream girl, I married my dream girl...*

[llecs]

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haulingthescoreup wrote:

.....and Bubba's House of Live Bait and Credit Scores scores

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I pulled mine from Bubba's House of Live Bait yesterday and scored a "crawdad" on TU. It was an improvement over last month's score of "earthworm".

[haulingthescoreup]

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llecs wrote:

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haulingthescoreup wrote:

.....and Bubba's House of Live Bait and Credit Scores scores

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I pulled mine from Bubba's House of Live Bait yesterday and scored a "crawdad" on TU. It was an improvement over last month's score of "earthworm".

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Who says that consumers can't improve their scores with hard work??

You'll be a cricket before long!

Message Edited by haulingthescoreup on 03-20-2009 11:55 AM

[MattH]

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@haulingthescoreup wrote:

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@llecs wrote:

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@haulingthescoreup wrote:

.....and Bubba's House of Live Bait and Credit Scores scores

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I pulled mine from Bubba's House of Live Bait yesterday and scored a "crawdad" on TU. It was an improvement over last month's score of "earthworm".

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Who says that consumers can't improve their scores with hard work??

You'll be a cricket before long!

Message Edited by haulingthescoreup on 03-20-2009 11:55 AM

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I'm visualizing the Master in some cheesy martial arts flick "You are learning, Grasshopper."

[Guardian]

You are all too funny.

[Anonymous]

I actually spent a few hours reading through the forums here and understand much more about EX as they relate to my question/issue.  It was just startling to see, whether or not it's a real number or not.

It's interesting to note that my EX score has usually lagged behind my TU score by a few points over the past 24 months or so.  So I guess I can assume that that's still the case.  I'll just watch the actual credit report and monitor the items on the report.

Thank ya.