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I thought I read somewhere that Experian no longer offers a FICO score. I was reviewing the products available for purchase here and there is an option for Fico Standard that lets you choose 1, 2 or all 3 CB's for a score and report. If I choose Experian, will it give me an accurate, real FICO score or is it a FAKO? I don't really need the report as I already have my Experian report from elsewhere, I really need to know my FICO score with Experian because I am getting ready to apply for a loan that only pulls Experian and they have a score minimum I have to meet to qualify. I don't want to waste the $19.95 if I am not getting the Experian FICO score when I order.
Any insight?
@Divaofsongs wrote:I thought I read somewhere that Experian no longer offers a FICO score. I was reviewing the products available for purchase here and there is an option for Fico Standard that lets you choose 1, 2 or all 3 CB's for a score and report. If I choose Experian, will it give me an accurate, real FICO score or is it a FAKO? I don't really need the report as I already have my Experian report from elsewhere, I really need to know my FICO score with Experian because I am getting ready to apply for a loan that only pulls Experian and they have a score minimum I have to meet to qualify. I don't want to waste the $19.95 if I am not getting the Experian FICO score when I order.
Any insight?
Experian won't sell you a FICO score directly, however you can purchase an EX FICO08 score from here at MyFICO.
I really need to start researching more before posting a question, LOL. So sorry. I read that MyFico.com no longer offered Experian scores but of course, that was old news. I purchased our Experian FICO score's last night. I am so glad I did too, because 2 of the items I disputed, that were supposed to be updated as IIB, are showing as PAST DUE now! I am livid! These 2 items were discharged in our BK but were showing as charged off, so I did a dispute and asked them to update the records to IIB. Well, not only did they not update the records, they are now reporting the debt as currently late, when it was discharged in my BK last year. Now I have to fight with them to have it corrected. The only good news is, both mine and my husband's FICO are about 30 points above where we need them to be to get our loan approved.
Thanks again!!! I Love this site!