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

If I remember rightly, when I first bought into TU online I decided to pull up all 3 cb's only to not get the one from experian.... now when I try and get it online I get the unable to verify info? I have accessed my report by them through annualcreditreport.com and all is right there. I got refused credit a long time back with my bank and they pulled EX then to and the score given was 504... same as it was last week... 7 months later... it can not have been updated or couldit have been frozen?

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.