Reply
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

why experian so low

So recently I appd boa better balance rewards denied recently deluquency 60 day late 2 montgs ago.

Anyways my score was 610.  Much lower than I thought exoerian is the best of my reports no judgement etc.  Could it be a cc enhanced score?  I do have 6 inquiries on exp but not listed as a denial reason my plus score is 703.  I've heard boa is cc enhanced explain a 57 point difference and equifax is my worst.

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: why experian so low

It could be CC-enhanced. Did they publish a score range?

Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: why experian so low

No range I think if it had been same as equifax I could have had a shot. With score of 610 defintely not going to recon. Oh well.  Not applyiny for anything for a year.  hopefully what I have will grow.  

Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
New Member
Posts: 1
Registered: ‎03-22-2013
0

Re: why experian so low

I am also wondering why my EX plus score is soooo low... i have been playing this numbers game for months and it is frustration that the numbers are all over the place... trying to get home equity loan and getting all my numbers to the "magical 620"

Aug. 2012 TU Fico 586
Mar. 2013 TU Fico 656
EF Fico 614
EX 545
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: why experian so low

[ Edited ]

Ficofreak78 wrote:

I am also wondering why my EX plus score is soooo low... i have been playing this numbers game for months and it is frustration that the numbers are all over the place... trying to get home equity loan and getting all my numbers to the "magical 620"


Experian's PLUS score factors in stuff that FICO does not, and vice versa. I wouldn't worry about it. Your FICO could easily much, much higher. ETA...now that doesn't preclude taking care of anything that could potentially be holding your FICO back like paying down/off revolving debt, taking the right steps to remove baddies, improving a mix of credit if needed, etc.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.