topic why experian so low in Understanding FICO® Scoring

why experian so low

sarkell — Tue, 19 Mar 2013 10:18:48 GMT

So recently I appd boa better balance rewards denied recently deluquency 60 day late 2 montgs ago.

Anyways my score was 610. Much lower than I thought exoerian is the best of my reports no judgement etc. Could it be a cc enhanced score? I do have 6 inquiries on exp but not listed as a denial reason my plus score is 703. I've heard boa is cc enhanced explain a 57 point difference and equifax is my worst.

Re: why experian so low

llecs — Tue, 19 Mar 2013 12:19:39 GMT

It could be CC-enhanced. Did they publish a score range?

Re: why experian so low

sarkell — Tue, 19 Mar 2013 12:31:19 GMT

No range I think if it had been same as equifax I could have had a shot. With score of 610 defintely not going to recon. Oh well. Not applyiny for anything for a year. hopefully what I have will grow.

Re: why experian so low

Anonymous — Wed, 27 Mar 2013 12:49:33 GMT

I am also wondering why my EX plus score is soooo low... i have been playing this numbers game for months and it is frustration that the numbers are all over the place... trying to get home equity loan and getting all my numbers to the "magical 620"

Re: why experian so low

llecs — Wed, 27 Mar 2013 13:59:10 GMT

@Anonymous wrote:
I am also wondering why my EX plus score is soooo low... i have been playing this numbers game for months and it is frustration that the numbers are all over the place... trying to get home equity loan and getting all my numbers to the "magical 620"

Experian's PLUS score factors in stuff that FICO does not, and vice versa. I wouldn't worry about it. Your FICO could easily much, much higher. ETA...now that doesn't preclude taking care of anything that could potentially be holding your FICO back like paying down/off revolving debt, taking the right steps to remove baddies, improving a mix of credit if needed, etc.