Re: Trying to understand Fico scoring
10-04-2010 04:45 PM
An update: Today, I pulled my Experian credit report dated Oct. 4, 2010. Same score as 16 months ago, 694. At least it did not go down.
Still wondering why all the positive things I'm doing is not raising my score. Experian said having a mortgage is the best credit. I have been paying on it for 13 months without a late. Please read my original post at top of this tread.
Question: I see Fico is not offering a product from Experian. Is Experian generating Fico scores to lenders etc, or did they stop and only offer Vantage and Plus?
Was Experian offering Fico scores 16 months ago? Since my score is the same, want to try and figure out what model was used for me 16 months ago, as compared to today.
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 in Pennsylvania that supplies that information to it's members only.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work