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

This is my problem SHOGUN, I have pulled my report from EX and everything is correct on there, however for some unknown reason I am not able to access my score online with them. the score they have given me through a lender is at 504 it has been at 504 since I started on the credit trip. 7 months and the score is no diff??? this is supposed to be a score plus so should not be so low compared to my advantage score with TU at 671... that should be over 700 next week as I dont have any balances now at all.  a 200 point difference is what concerns me here with EX... and when I ring them up I get nowhere with the dorks over the phone... I have sent off for my report with them, then I guess ill have the ref number to hopefully dispute the report and scoring. I get the feeling that my report with them is not generating a score, it is as if it is frozen... 504 in march and 504 in sep??? when the other scores elsewhere are way higher.

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.