Understanding FICO® Scoring

[chevy22]

I'm new here and was wondering if there is a way I can get my true ex fico score? Yhanks in advance!

[bettercreditguy1]

Some lending institutions can get that for you or NCFU, a credit union in PA will provide one free score a month if you are a member.

[MarineVietVet]

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bettercreditguy1 wrote:

Some lending institutions can get that for you or NCFU, a credit union in PA will provide one free score a month if you are a member.

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Did you mean to type PSECU?

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only.

[chevy22]

Thanks! Like i said i am new to this never cared about credit till now. Is PSECU the type of score ex does or the credit union?

[MarineVietVet]

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chevy22 wrote:
Thanks! Like i said i am new to this never cared about credit till now. Is PSECU the type of score ex does or the credit union?

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PSECU offers a monthly Experian FICO score.

[CreditCritter]

So if we purchase Fico scores from this website it won't include an Experian Fico score? Why is that?

[MarineVietVet]

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CreditCritter wrote:

So if we purchase Fico scores from this website it won't include an Experian Fico score? Why is that?

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Hello.

Because in February of 2009 Experian decided they were going to stop giving consumers access to their FICO score via myFICO and other sites.

[tsu1112]

I gpt my Experian score today by using thier trial offer from their site.

[tcbofade]

Was it a FICO score, or just a "score"?   Be careful...they're tricky... 

[lndsk]

Experian is the only CR that has one account on it that was turned into NCO in 2006. This one thing will most likely drop my FICO by a lot. So I can't even find out what they have for a FICO on me it seems.