Posts: 191
Registered: ‎04-22-2013

myfico Experian vs creditor Experian?

How much difference should I expect to see in the myfico Experian score found here and the FICO Experian score creditors pull/see.. I realize most creditors use an older FICO Experian score model but does anyone know "on average" what kind of score difference should be expected?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: myfico Experian vs creditor Experian?

Some in here have already posted comparisons. It widely fluctuates. Expect it to be higher or lower and most are within 50 pts. Doesn't really help, I know.

Established Member
Posts: 23
Registered: ‎05-13-2012

Re: myfico Experian vs creditor Experian?

Hard to say, Just try to keep your scores as high as you can. Different lenders and creditors will have different formulas and standards that they go by. I've learned to understand that even if you have high credit scores.. You have to have a reputation for having good credit. In other words, It's better to have a long history with a 740 across the board than it is to have a 760-800 for a year or two.

Handle ya bidness, It pays!

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