topic Re: Experian FICO in Understanding FICO® Scoring

Experian FICO

Anonymous — Mon, 17 Jun 2013 14:32:22 GMT

I noticed that Experian FICO scores are now available. I was shocked t see that I show a score of 850!!!!!!!!!!!!!!!!!!

My other two scores are good (802 TU and 817 EQ) but I certainly did not expect to see an 850.

Re: Experian FICO

pizzadude — Mon, 17 Jun 2013 14:39:56 GMT

Wow !!! Congrats, that's fantastic !! Does your EX report show older tradelines or other info that isn't on the other two?

Re: Experian FICO

holdingon80 — Mon, 17 Jun 2013 17:19:47 GMT

That's awesome!

Re: Experian FICO

Anonymous — Mon, 17 Jun 2013 22:35:40 GMT

You are the first I have seen with an 850! Wow is all I can say. Wow!

Re: Experian FICO

Anonymous — Tue, 18 Jun 2013 02:16:01 GMT

I don't see anything t. fferendi

Re: Experian FICO

asphaltcowboy — Tue, 18 Jun 2013 03:50:28 GMT

Congrats on 850!!

Only in my wildest dream

Re: Experian FICO

Anonymous — Sat, 13 Jul 2013 18:40:35 GMT

My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

Re: Experian FICO

Anonymous — Sat, 13 Jul 2013 19:17:47 GMT

@Anonymous wrote:
My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks

Different scoring models/versions. The one here is the 08 version and most lenders use the 04 version.

Re: Experian FICO

Shogun — Sat, 13 Jul 2013 22:03:00 GMT

@Anonymous wrote:
@Anonymous wrote:
My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks
Different scoring models/versions. The one here is the 08 version and most lenders use the 04 version.

Isn't that the TU versions?

Re: Experian FICO

Anonymous — Sat, 13 Jul 2013 23:08:31 GMT

@Shogun wrote:
@Anonymous wrote:
@Anonymous wrote:
My experian showed 629 on my fico but when pulled by my lender it was 585!! The same week. What is going on? Am confused. Any ideas why? Thanks
Different scoring models/versions. The one here is the 08 version and most lenders use the 04 version.
Isn't that the TU versions?

Most mortgage lenders use the 04 models of all the scores. Is that what you are asking?

The FICO 04:

EQ = Beacon 5

TU = FICO Risk Score, Classic 04

EX = Experian/FICO Risk Model v2

Re: Experian FICO

TrueGeminiNC — Sun, 14 Jul 2013 02:39:57 GMT

@pizzadude wrote:
Wow !!! Congrats, that's fantastic !! Does your EX report show older tradelines or other info that isn't on the other two?

My EX score is also considerably higher than my other scores. Notably, my EX report does include a lot of older TLs (some +7 years old) that are not included on my EQ or TU.

Re: Experian FICO

Anonymous — Sun, 21 Jul 2013 00:15:34 GMT

ok so what is the point of having your fico score? if "most lenders use Fico 04" what is it I see on myFico?what kind of model- how do we know what model a lender pulls can that be asked of teh lender ahead of time? the difference between 629 and 585 is huge! am I just deceiving myself by belonging to this- if it's about monitoring my credit report for accurate information then I could just do that at Equifax's website for less...

Re: Experian FICO

TrueGeminiNC — Sun, 21 Jul 2013 01:52:10 GMT

@Anonymous wrote:
ok so what is the point of having your fico score? if "most lenders use Fico 04" what is it I see on myFico?what kind of model- how do we know what model a lender pulls can that be asked of teh lender ahead of time? the difference between 629 and 585 is huge! am I just deceiving myself by belonging to this- if it's about monitoring my credit report for accurate information then I could just do that at Equifax's website for less...
<script type="text/javascript">// var vglnk = { api_url: '//api.viglink.com/api', key: 'a187ca0f52aa99eb8b5c172d5d93c05b' }; // </script> <script type="text/javascript" src="http://cdn.viglink.com/api/vglnk.js"></script>

Overall, I have found a lot of useful information in these forums which have enabled me to slowly rebuild my credit scores to an acceptable level. The forums have been an invaluable supplement.. In regards to my FICO scores, I have learned to simply use the information as a baseline. As I employ different things learned in the forums, it is satisfying to watch the upward trajectory of my scores.

Indubitably, I agree. It would be nice to see a post which details which variation of FICO or other scoring models that the bigger enders/creditors use.

Re: Experian FICO

Anonymous — Sat, 17 Aug 2013 16:14:36 GMT

I have the same problem. My experience fico was 676, when pulled by a lender using corelogic it was 629. Equifax & Transition matched exactly. It is odd.

Re: Experian FICO

Shogun — Sat, 17 Aug 2013 17:05:57 GMT

It depends on what version they pull. I know Amex pulled the same EX as I have here. Some of the others do too.

Re: Experian FICO

Anonymous — Tue, 20 Aug 2013 05:21:20 GMT

Thanks for the reply, I thought something was not right, your anwer helped.

Re: Experian FICO

Anonymous — Sun, 30 Mar 2014 20:36:34 GMT

Is Experian and My fico working together again. Can I buy my experian fico score thru my fico?

Re: Experian FICO

Anonymous — Sun, 30 Mar 2014 20:39:09 GMT

@Anonymous wrote:
Is Experian and My fico working together again. Can I buy my experian fico score thru my fico?

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/EX-08-questions/td-p/2785967

Re: Experian FICO

Anonymous — Sun, 30 Mar 2014 20:42:36 GMT

My question is can you now buy and access your experian score on my fico website. In 2009 experian ended there contract with my Fico

Re: Experian FICO

myjourney — Sun, 30 Mar 2014 20:58:05 GMT

@Anonymous wrote:
My question is can you now buy and access your experian score on my fico website. In 2009 experian ended there contract with my Fico

Yes you can as of about July/August 2013 new contract in effect