Frequent Contributor
Posts: 405
Registered: ‎02-06-2009
Re: Which one is the "real" EX score?

On the myFICO forums, when people refer to "real" credit scores, they usually mean FICO scores because they're the ones used by lenders when making credit decisions.


Experian doesn't make their FICO scores available to the consumer. The only ways that I know of to find your EX FICO score is from a mortgage lender when you apply for a loan and they pull your EX report or through a certain credit union which has a special arrangement with Experian.


In short, neither of the scores you received is a "real", ie FICO, score.


Consumers are able to get their FICO scores from the other 2 credit reporting agencies, TransUnion and Equifax. The most reliable way to get either TU or EQ FICO scores is with myFICO's products, Quarterly Monitoring for TU and Scorewatch for EQ.


Hope that helps.

04/13/2016 - EX 796 (American Express EX FICO® Score 8, range 300-850)
05/20/2016 - TU 811 (Discover TU FICO® Score 8, range 300-850)
04/26/2016 - EQ 782 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015