topic Re: Disney+ Sbx Got Me +3 On Experian Booooost!!! in Understanding FICO® Scoring

Disney+ Sbx Got Me +3 On Experian Booooost!!!

LP007 — Sat, 12 Mar 2022 01:59:52 GMT

Don't judge me, I'm watching The Book Of Boba Fett on Disney+.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

dragontears — Sat, 12 Mar 2022 02:00:16 GMT

@LP007 wrote:
Don't judge me, I'm watching The Book Of Boba Fett on Disney+.

3 points in exchange for allowing Experian to data mine your bank account.....

Well if you are happy, I am not going to judge.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

LP007 — Fri, 11 Mar 2022 21:01:28 GMT

Mining? Am I a mark? Please expound. Do you have YouTube links?

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

dragontears — Fri, 11 Mar 2022 21:26:11 GMT

@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?

Experian Boost requires you to let them have access to your bank, correct? Do you really think they are not using that information for other purposes? Selling data, especially related to consumer shopping/spending is a big money industry.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

Remedios — Fri, 11 Mar 2022 21:29:29 GMT

@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?

You gave them access to your checking. They duly noted deposits.

EX has service that provides income verification, service that provides "recommendations", service for address/employer locations, etc.

Good news, there isn't a lender that I know of which will pull "boost" version, so no one will find out about score increase

Bad news, you handed them your life on a platter over something no one but you will see.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

LP007 — Sat, 12 Mar 2022 02:01:26 GMT

@dragontears wrote:
@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?
Experian Boost requires you to let them have access to your bank, correct? Do you really think they are not using that information for other purposes? Selling data, especially related to consumer shopping/spending is a big money industry.

DOH! Dagblasted, it's a racket!

“Just when I thought I was out, they pull me back in.”

Time to reassess.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

MasonK — Fri, 11 Mar 2022 23:04:38 GMT

@Remedios wrote:
@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?
You gave them access to your checking. They duly noted deposits.
EX has service that provides income verification, service that provides "recommendations", service for address/employer locations, etc.
Good news, there isn't a lender that I know of which will pull "boost" version, so no one will find out about score increase
Bad news, you handed them your life on a platter over something no one but you will see.

Yep. I tried it a few years ago just to see if/how it worked. Wasn't impressed because I knew what they were doing, but moreso because payments for recurring charges weren't updating after the month I started. After about 4 months of that, I turned it off.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

LP007 — Sat, 12 Mar 2022 00:10:30 GMT

@Remedios wrote:
@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?
You gave them access to your checking. They duly noted deposits.
EX has service that provides income verification, service that provides "recommendations", service for address/employer locations, etc.
Good news, there isn't a lender that I know of which will pull "boost" version, so no one will find out about score increase
Bad news, you handed them your life on a platter over something no one but you will see.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

MasonK — Sat, 12 Mar 2022 00:29:28 GMT

@LP007 wrote:
@Remedios wrote:
@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?
You gave them access to your checking. They duly noted deposits.
EX has service that provides income verification, service that provides "recommendations", service for address/employer locations, etc.
Good news, there isn't a lender that I know of which will pull "boost" version, so no one will find out about score increase
Bad news, you handed them your life on a platter over something no one but you will see.

I wouldn't beat yourself up too much over this. Turn it off and you still have a 789 score. I would have run naked through the streets for a 789 in 2006-2020.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

LP007 — Sat, 12 Mar 2022 00:35:03 GMT

@MasonK wrote:
@LP007 wrote:
@Remedios wrote:
@LP007 wrote:
Mining? Am I a mark? Please expound. Do you have YouTube links?
You gave them access to your checking. They duly noted deposits.
EX has service that provides income verification, service that provides "recommendations", service for address/employer locations, etc.
Good news, there isn't a lender that I know of which will pull "boost" version, so no one will find out about score increase
Bad news, you handed them your life on a platter over something no one but you will see.

I wouldn't beat yourself up too much over this. Turn it off and you still have a 789 score. I would have run naked through the streets for a 789 in 2006-2020.

Re: Disney+ Sbx Got Me +3 On Experian Booooost!!!

Anonymous — Sat, 12 Mar 2022 15:35:05 GMT

Love the The Godfather quote, lol. At least you have a since of humor about it!
No judgment here, though.... I did it too 😏