topic Re: My FICO Experian, AMEX Experian FICO? in Credit Cards

My FICO Experian, AMEX Experian FICO?

Anonymous — Tue, 09 Jul 2013 21:30:52 GMT

I pulled My FICO Experian report, paid the 19.95 plus tax. Just like I have pulled my TR and EQ on My FICO many times in the past. When I pulled my Experian, it showed 708 with a couple of baddies that had dropped off my TR and EQ. The same day I had already applied for AMEX BCE and my Experian FICO through them was 784. I know that My Fico does a good job with EQ and TR but I am wondering about how My FICO is reporting the Experian scores, something seems not right. Has anyone else noticed the same?

Re: My FICO Experian, AMEX Experian FICO?

pizzadude — Tue, 09 Jul 2013 21:44:02 GMT

@Anonymous wrote:
I pulled My FICO Experian report, paid the 19.95 plus tax. Just like I have pulled my TR and EQ on My FICO many times in the past. When I pulled my Experian, it showed 708 with a couple of baddies that had dropped off my TR and EQ. The same day I had already applied for AMEX BCE and my Experian FICO through them was 784. I know that My Fico does a good job with EQ and TR but I am wondering about how My FICO is reporting the Experian scores, something seems not right. Has anyone else noticed the same?

The AMEX FICO score may very well be a FICO Bankcard Enhanced score, versus the FICO Classic score sold here.

Re: My FICO Experian, AMEX Experian FICO?

Capya — Tue, 09 Jul 2013 21:55:50 GMT

I pulled Experian from MyFico last month and it was 767.

I applied for AmEx that same day, and their pull was 767.

Re: My FICO Experian, AMEX Experian FICO?

dude11 — Tue, 09 Jul 2013 21:56:19 GMT

I thought I read somewhere here the Experian FICO sold here is a newer version or a version not widely used?

Re: My FICO Experian, AMEX Experian FICO?

Anonymous — Tue, 09 Jul 2013 22:02:26 GMT

@Capya wrote:
I pulled Experian from MyFico last month and it was 767.

I applied for AmEx that same day, and their pull was 767.

Good deal. Mine are not making sense.

Re: My FICO Experian, AMEX Experian FICO?

Anonymous — Tue, 09 Jul 2013 22:04:49 GMT

@dude11 wrote:
I thought I read somewhere here the Experian FICO sold here is a newer version or a version not widely used?

I hope it is the version that is not widely used. I guess I should try to get the My FICO version cleaned up, just in case.

Re: My FICO Experian, AMEX Experian FICO?

pizzadude — Wed, 10 Jul 2013 00:01:10 GMT

The EX score sold here is FICO Classic 08 version.

Most mortgage lenders use the 04 FICO version.

Some CC lenders use 08 but many are still on earlier versions.

Re: My FICO Experian, AMEX Experian FICO?

youngandcreditwrthy — Wed, 10 Jul 2013 00:41:44 GMT

Perhaps the info changed in that amount of time...
Don't forget that your credit reports change all the time

Re: My FICO Experian, AMEX Experian FICO?

racer-x — Wed, 10 Jul 2013 01:22:31 GMT

A couple weeks ago, I paid for myFico Ex, 722. A week after that, I bought a new Harley-Davidson and my EX pull was 722.

Re: My FICO Experian, AMEX Experian FICO?

Anonymous — Wed, 10 Jul 2013 01:41:42 GMT

@racer-x wrote:
A couple weeks ago, I paid for myFico Ex, 722. A week after that, I bought a new Harley-Davidson and my EX pull was 722.

That is good for you. You are getting two scores that validate each other. Even though I got two different scores, I am glad that AMEX showed 784 and approved a significant credit line. I am just concerned that they will later get the same score that My FICO reports.

Re: My FICO Experian, AMEX Experian FICO?

CS800 — Wed, 10 Jul 2013 01:45:40 GMT

Did AMEX give you a range for your score?

Re: My FICO Experian, AMEX Experian FICO?

Anonymous — Wed, 10 Jul 2013 02:34:05 GMT

@CS800 wrote:
Did AMEX give you a range for your score?

i recieved my card from them yesterday and the enclosed information showed my score as 784 Experian FICO. Scale of 350 to 850.