topic Re: Best Site to get Experian Score in Understanding FICO® Scoring

Best Site to get Experian Score

Jennifer331 — Sun, 08 Jan 2012 02:30:45 GMT

Hello everyone, I am trying to find a reliable site to get my experian credit score. I currently use premiercreditmanager.com and my score is 548. I tried creditsesame.com and my score is 608 and quizzle.com shows me a score of 571. Which score should I refer to for accuracy purposes,

Re: Best Site to get Experian Score

coachb123 — Sun, 08 Jan 2012 02:34:20 GMT

You can not buy your EX FICO anymore so it's purely a guessing game. I know for me that Credit Sesame has been +-5 points within what my lenders have pulled for me though.

Re: Best Site to get Experian Score

MarineVietVet — Sun, 08 Jan 2012 02:34:44 GMT

@Jennifer331 wrote:
Hello everyone, I am trying to find a reliable site to get my experian credit score. I currently use premiercreditmanager.com and my score is 548. I tried creditsesame.com and my score is 608 and quizzle.com shows me a score of 571. Which score should I refer to for accuracy purposes,

HI there.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only.

Unfortunately none of those sites you listed sells EX FICO scores.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Best Site to get Experian Score

Jennifer331 — Sun, 08 Jan 2012 02:49:53 GMT

Thank you, I was only trying to find a company that would get me as close as possibe to what the lnders would see.

Re: Best Site to get Experian Score

pizzadude — Sun, 08 Jan 2012 02:56:50 GMT

You could always app for a CC with a creditor that always pulls EX. AMEX is well known to always pull EX, if you are denied they will give your EX FICO. And also they seem to provide this if you get approved.

Re: Best Site to get Experian Score

MarineVietVet — Sun, 08 Jan 2012 03:00:09 GMT

@Jennifer331 wrote:
Thank you, I was only trying to find a company that would get me as close as possibe to what the lnders would see.

Trying to compare FICO scores to non-FICO (FAKO) scores is an exercise in futility. A FAKO score could be much higher or lower than a FICO score and there is no formula to convert one to the other.

My advice is to ignore all FAKO scores all the time.

Re: Best Site to get Experian Score

Jennifer331 — Sun, 08 Jan 2012 03:03:29 GMT

Thank you for the advice, I guess I will just stick to the scores obtained by the Myfico site.

Re: Best Site to get Experian Score

MarineVietVet — Sun, 08 Jan 2012 03:10:32 GMT

@Jennifer331 wrote:
Thank you for the advice, I guess I will just stick to the scores obtained by the Myfico site.

You can get a TU08 (latest version) score monthly if you have a store card or Discover card through Walmart. There is a credit union (DCU) that provides it's members a monthly EQ score.

Equifax will still sell you a FICO score from their website found here: www.equifax.com/web-myfico-products/

Re: Best Site to get Experian Score

Jennifer331 — Sun, 08 Jan 2012 03:34:44 GMT

Does Myfico offer a TU08 score or no? I also have Truecredit for my Transunion score and Myfico is about 10-15 points higher.

Re: Best Site to get Experian Score

-Cain- — Sun, 08 Jan 2012 03:39:55 GMT

myFICO does not offer TU08. It offers TU98. I do not believe Truecredit is a FICO score.

Re: Best Site to get Experian Score

MarineVietVet — Sun, 08 Jan 2012 03:46:52 GMT

@-Cain- wrote:
myFICO does not offer TU08. It offers TU98. I do not believe Truecredit is a FICO score.

The scores from TC are VantageScores and although a few lenders use the VS it's still not reliable IMO.

ETA: (With all due credit to long time member llecs for this):

"Virtually everyone sells scores, but they are not all FICO scores. If you got scores from the big 3, then very likely 2 or all 3 of them are not FICO scores. Experian and TransUnion do not sell FICO scores on their website. We call these non-FICO scores, FAKOs, and can easily be as much as a few points to 100+ points off your real FICO when pulled the same day. If it didn't say "FICO" next to the score, then it isn't.

Other companies (e.g. freecreditreport.com, freescore.com, truecredit, creditkarma, Equifax Credit Complete, Quizzle, and dozens of others out there) sell scores, but they are nothing more than gimmicks and lenders don't use them. They do this because they want to avoid paying any fees to FICO and when they say "credit score" people buy it anyway on the assumption that it is a FICO. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e.g. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on)."

Re: Best Site to get Experian Score

Jennifer331 — Sun, 08 Jan 2012 03:53:00 GMT

Thanks for the clarification.