Established Member
Posts: 28
Registered: ‎05-08-2012
Experian Score so low

I recently appied for a prosper loan and got a decline saying that my score generated from experian is at 504

 

My Fico score through walmart at that time was at 654... should be higher now as all balances have been paid off in full on all 6 accounts?

 

I tried to call experian but I got nowhere with them. told to go online and register... would not allow me to do this...?

 

currently my cards are. 1 @ 7 months old and the other 5 are all at 5 months history.

 

anyone have a number for me to call them and get this resolved as I need to get a loan to improve my business ASAP... 

Started Credit ladder April 2012.
First Year on ladder Scores: April 2013
Walmart TU FICO 654
Equifax FICO 617
Experian FICO 639
Transunion FICO 654

Started with very low limits at 300 each.
one year in limits and some nice New Cards in wallet:
Amex Green Open Limit
Amex Gold Rewards Open Limit
Amex Dillards 1k
Chase Slate 3.5k
Lowes 1.5k
Amazon 1.5k
Walmart 1k
TexacoChevron 1k
Furniture Row 1.7k
Cap 1 newcomers 750
Cap 1 Secured 450 (kept for AAoA)
Banana Republic 800
Chase Freedom 500
14.5k in first year, plus 3.5k Cap 1 Business (18k)

current UT @ 30% will all be clear this month so expecting scores to rise to 700's.

not bad for first years credit.