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    <title>topic Re: Experian FICO's are back?! in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2221137#M620972</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/545245"&gt;@ztnjpv&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;CS800:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;&lt;EM&gt;"Any PSECU members pulled their EX FICO via Myfico.com yet?"&lt;/EM&gt;&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;&lt;EM&gt;&amp;nbsp;&lt;/EM&gt;&lt;/STRONG&gt;&lt;/P&gt;&lt;P&gt;&lt;STRONG&gt;&lt;EM&gt;&lt;BR /&gt;&lt;/EM&gt;&lt;/STRONG&gt;OK. I just got my update from PSECU today. It was pulled on 6/4/13. It was &lt;U&gt;787&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Just saw this news and bought my EX FICO (6/14/13): &lt;U&gt;783&lt;/U&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;So. I am not sure what to make of that. I would have to check a copy of my Experian from 6/4/13 (if I have it) over at freecreditreport.com and see how the contents of the report compare to what I just pulled from myfico.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I actually went to another forum to discuss this since people were not responding fast here, turns out it's EX 08 score which is'nt pulled by many lenders that we know of. So it's a waste of money imo. Most lenders pull 04 cause it was the harshest scoring system to the consumer (increasing profit margins for offering sub prime loans) It makes sense since there has never been 1 person to report a Fico04 (non auto enhanced score) ever reported anywhere. Highest 04 ex score was around 819.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It's pretty sad Fico04 was a system 300-850 but no one has ever obtained anywhere close to a 850. False advertising imo.&lt;/P&gt;</description>
    <pubDate>Fri, 14 Jun 2013 21:30:11 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-06-14T21:30:11Z</dc:date>
    <item>
      <title>Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216981#M619631</link>
      <description>&lt;P&gt;I'm tempted to buy one just for the heck of it...&lt;/P&gt;</description>
      <pubDate>Fri, 14 Jun 2013 02:29:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216981#M619631</guid>
      <dc:creator>injustifiiable</dc:creator>
      <dc:date>2013-06-14T02:29:08Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216985#M619633</link>
      <description>&lt;P&gt;was just about to post this&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;now available on home page&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:29:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216985#M619633</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-06-13T18:29:15Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216987#M619634</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/567909"&gt;@injustifiiable&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I'm tempted to buy one just for the heck of it...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;i was just thinking the same thing!&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:29:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216987#M619634</guid>
      <dc:creator>codimom</dc:creator>
      <dc:date>2013-06-13T18:29:20Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216997#M619637</link>
      <description>Whoopee ! Thanks</description>
      <pubDate>Thu, 13 Jun 2013 18:31:34 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2216997#M619637</guid>
      <dc:creator>09Lexie</dc:creator>
      <dc:date>2013-06-13T18:31:34Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217003#M619639</link>
      <description>&lt;P&gt;Craaazy. Does anyone see anything about what scoring algorithm it is?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Have any of you bought it yet?&amp;nbsp;&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I AM tempted...&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:33:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217003#M619639</guid>
      <dc:creator>Dubious</dc:creator>
      <dc:date>2013-06-13T18:33:26Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217007#M619640</link>
      <description>&lt;P&gt;i am definitely tempted and will probably purchase it later today&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:34:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217007#M619640</guid>
      <dc:creator>darkfrosty</dc:creator>
      <dc:date>2013-06-13T18:34:39Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217015#M619641</link>
      <description>&lt;P&gt;woot!!!&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:35:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217015#M619641</guid>
      <dc:creator>romey050500</dc:creator>
      <dc:date>2013-06-13T18:35:59Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217017#M619642</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/694055"&gt;@darkfrosty&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;i am definitely tempted and will probably purchase it later today&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;cool, report back afterwards.&amp;nbsp; I need to buy 1 report this month, and this may be the one...(i tend to alternate my report purchases...)&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:37:48 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217017#M619642</guid>
      <dc:creator>codimom</dc:creator>
      <dc:date>2013-06-13T18:37:48Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217019#M619643</link>
      <description>&lt;P&gt;I sprung the 20 bucks for EQ not too long ago so my wallet isn't very tempted but my curiosity certainly is...&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:38:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217019#M619643</guid>
      <dc:creator>Dubious</dc:creator>
      <dc:date>2013-06-13T18:38:13Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217023#M619644</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/373370"&gt;@codimom&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/694055"&gt;@darkfrosty&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;i am definitely tempted and will probably purchase it later today&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;cool, report back afterwards.&amp;nbsp; I need to buy 1 report this month, and this may be the one...(i tend to alternate my report purchases...)&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;They should really give us a discount for buying all at once or something.&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:38:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217023#M619644</guid>
      <dc:creator>Dubious</dc:creator>
      <dc:date>2013-06-13T18:38:49Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217025#M619645</link>
      <description>&lt;P&gt;Whoever pulls, can you pm me what the algorithm their using. Thanks in advance! -LJ&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:39:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217025#M619645</guid>
      <dc:creator>ReaLiLJ</dc:creator>
      <dc:date>2013-06-13T18:39:05Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217029#M619646</link>
      <description>&lt;P&gt;I just caved and bough it.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AND WOW. I wasn't expecting that score.&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:40:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217029#M619646</guid>
      <dc:creator>vpae</dc:creator>
      <dc:date>2013-06-13T18:40:43Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217039#M619649</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/564819"&gt;@vpae&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I just caved and bough it.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AND WOW. I wasn't expecting that score.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Don't tease us like that&amp;nbsp;&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:42:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217039#M619649</guid>
      <dc:creator>Dubious</dc:creator>
      <dc:date>2013-06-13T18:42:02Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217053#M619650</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/669207"&gt;@Dubious&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/564819"&gt;@vpae&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I just caved and bough it.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AND WOW. I wasn't expecting that score.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Don't tease us like that&amp;nbsp;&lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;+1 &amp;nbsp;, thats like saying hot dogs!!!! and then there is no food.&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:44:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217053#M619650</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-06-13T18:44:51Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217061#M619654</link>
      <description>&lt;P&gt;A good test would be to compare it to the PSECU score for those of us who get it monthly.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:46:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217061#M619654</guid>
      <dc:creator>CS800</dc:creator>
      <dc:date>2013-06-13T18:46:05Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217069#M619656</link>
      <description>Updates will be appreciated</description>
      <pubDate>Thu, 13 Jun 2013 18:47:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217069#M619656</guid>
      <dc:creator>tennisfan78</dc:creator>
      <dc:date>2013-06-13T18:47:10Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217071#M619657</link>
      <description>Finally!! This is very exciting. I can't wait to have a full 3 bureau credit picture!</description>
      <pubDate>Thu, 13 Jun 2013 18:47:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217071#M619657</guid>
      <dc:creator>creditYum</dc:creator>
      <dc:date>2013-06-13T18:47:14Z</dc:date>
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      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217079#M619659</link>
      <description>&lt;P&gt;Does myfico not actively disclose what models they sell? I've been trying to find it on the site to no avail.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:48:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217079#M619659</guid>
      <dc:creator>Dubious</dc:creator>
      <dc:date>2013-06-13T18:48:30Z</dc:date>
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    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217083#M619660</link>
      <description>I Bought Experian report... My score is 754...... no enquiries since 9 months. But score simulator is not available.. thanks.</description>
      <pubDate>Thu, 13 Jun 2013 18:49:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217083#M619660</guid>
      <dc:creator>SRAGS</dc:creator>
      <dc:date>2013-06-13T18:49:11Z</dc:date>
    </item>
    <item>
      <title>Re: Experian FICO's are back?!</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217087#M619661</link>
      <description>&lt;P&gt;This doesn't make any sense.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I went into the bank on 06/11 to start my refi. They did a pull of all 3 and here's what I got.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Experian - 770&lt;/P&gt;&lt;P&gt;&lt;SPAN&gt;Equifax - 788&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;Transunion - 783&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I updated both my Transunion and my Equifax on myFico before going in that morning and with today's Experian purchase. Here is what I got.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Experian - 815&lt;/P&gt;&lt;P&gt;Equifax - 788&lt;/P&gt;&lt;P&gt;Transunion - 765&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Why is the Experian score so much higher?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 13 Jun 2013 18:50:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Experian-FICO-s-are-back/m-p/2217087#M619661</guid>
      <dc:creator>vpae</dc:creator>
      <dc:date>2013-06-13T18:50:10Z</dc:date>
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