topic Re: FICO vs Plus Score in Understanding FICO® Scoring

FICO vs Plus Score

Anonymous — Fri, 11 May 2007 18:12:54 GMT

Hello! Yesterday I pulled my credit score from Experian using their system. I was given a score of 683. I tried to get a credit increase on my oldest account, and was declined and told I had a score of 608. Because of the difference, I had them pull a new report, which showed a 618. I'm a bit confused on the huge difference, especially since I paid Experian 50$ to pull back my reports. Can someone fill me in on the huge difference? It seems the FICO score here is the closest to being what lenders receive; can I dispute this? Any advice is welcome. Thanks, --William

Re: FICO vs Plus Score

smallfry — Fri, 11 May 2007 18:35:13 GMT

@Anonymous wrote:
Hello! Yesterday I pulled my credit score from Experian using their system. I was given a score of 683. I tried to get a credit increase on my oldest account, and was declined and told I had a score of 608. Because of the difference, I had them pull a new report, which showed a 618. I'm a bit confused on the huge difference, especially since I paid Experian 50$ to pull back my reports. Can someone fill me in on the huge difference? It seems the FICO score here is the closest to being what lenders receive; can I dispute this? Any advice is welcome. Thanks, --William

The Experian Plus score that I received late March was 34 points higher than my Experian FICO that I pulled two days ago. However my Experian FICO is 25 points higher than my EX FAKO score. Make sense? Nothing has changed.

Re: FICO vs Plus Score

Anonymous — Fri, 11 May 2007 18:36:21 GMT

Not shure, what score lenders will pull, but indeed my EX Plus score is the lowest of all.

Highest one is TU, but via Treu Credit(FAKO)

When pulled from MF, numbers are not so different, all 3 and much closer together, but still EX as the lowest and Tu as the highest.

My wife has a same situation, maybe even more extreme.

Her EX on MF is like 30 points lower than other two.

Re: FICO vs Plus Score

Tuscani — Fri, 11 May 2007 18:59:38 GMT

Lenders pull FICOs. Ignore any other scores (aka FAKOs).

Re: FICO vs Plus Score

Anonymous — Fri, 11 May 2007 19:41:40 GMT

Yeah ignore Fako's. My EX fico score is 649 while my Ex plus score is 713 !

Re: FICO vs Plus Score

MercyMe — Sat, 12 May 2007 12:31:47 GMT

So true, so true. If your Equifax Ficos are okay -- everything else is, too -- or so has been my experience.

Re: FICO vs Plus Score

Anonymous — Sat, 12 May 2007 13:58:50 GMT

You are right and I was not clear.

What I meant is I do not know wich of the 3 will they pull, but shure they will be FICO.