topic Re: Experian Credit Score in Understanding FICO® Scoring

Experian Credit Score

the_jan_b — Wed, 14 Sep 2011 23:28:25 GMT

I recently received a copy of my Experian credit report in response to a cc app., but it did not include a credit score. According to a "rule" or "law" (not sure which one it is nor the name of it) that was effective July 21st (I think), shouldn't a credit score have been included with the credit report? I'm just wondering because I received letters in response to apps (I'm through apping until after the new year), and credit scores were included with both.

Re: Experian Credit Score

llecs — Thu, 15 Sep 2011 00:59:45 GMT

Without looking at the law (you may want to double check), I think it applies to denials or change in advertised terms if a score was used in consideration of such denial or change. If approved and got the rate they advertised, then there wouldn't be a letter, from my understanding.

Re: Experian Credit Score

the_jan_b — Sat, 17 Sep 2011 21:23:33 GMT

@llecs wrote:
Without looking at the law (you may want to double check), I think it applies to denials or change in advertised terms if a score was used in consideration of such denial or change. If approved and got the rate they advertised, then there wouldn't be a letter, from my understanding.

Thanks for your response; the letter was in response to a denial, no score was included...

Re: Experian Credit Score

MissMia75 — Sun, 18 Sep 2011 08:39:58 GMT

EX would not provide you with a score. Whomever denied you for credit would be the source of the credit score.