topic Re: Experian Plus Score in General Credit Topics

Experian Plus Score

Anonymous — Wed, 20 May 2009 11:15:42 GMT

Can anyone tell me their experience with this score? I know it is not a FICO, so I am wondering when you go to a lender is their score higher or lower than what you are obtaining from the Experian site? Is that number even close to being accurate?

My Experian Plus score is 628, I am wondering how I can estimate what my actual score is?

Re: Experian Plus Score

Anonymous — Wed, 20 May 2009 13:51:38 GMT

My Plus score was at 548 and the same day my mortgage lender pulled a credit report and my Experian score is a 639! A very big difference for me, and positive, but I have heard all sorts of scenarios.

Re: Experian Plus Score

llecs — Wed, 20 May 2009 14:40:47 GMT

My PLUS scores have been as little at 20 points from my FICO when pulled on the same day and as high as 140 points in FICO's favor when pulled on the same day. There's no predictability. Their formula is lopsided too. When we could pull EX FICO, my last CA dropped off. My EX FICO increased 58 pts. My EX PLUS dropped 8 points. You can probably conclude that CAs are factored into their history. Most recently, I paid off my last loan. My EQ FICO increased 5 or 7 pts, I forget which. My EQ PLUS score via CCT dropped 30 points. There's no rhyme or reason.

Re: Experian Plus Score

Anonymous — Wed, 20 May 2009 15:47:14 GMT

Thanks! So there really is no way of knowing until I go to a bank? I dont know if I should get excited that my score is finally over 620. The last I checked it before it came off My Fico, it was 553, have had lots of positive factors since then. Was 553 for plus score one month ago.

But my True Credit Scores (fako) I know I can not help looking at them! Even though I have the service to alert me to changes and i pull the scores on My Fico. The Fako Score on True Credit is 502. The True Credit Scores have been very close to my scores on My Fico for TU and EQ, so I am questioning whether I am in the low 500's as indicated on True Credit or over 620 as indicated on the Experian site.

Re: Experian Plus Score

Anonymous — Thu, 21 May 2009 14:40:52 GMT

they also use vantage.

Re: Experian Plus Score

Anonymous — Sat, 23 May 2009 17:40:27 GMT

My plus score was 594 and my actual fico from mortgage lender was 634.. another vote for the higher actual score side... which is nice

Re: Experian Plus Score

Anonymous — Sat, 23 May 2009 19:09:49 GMT

@Anonymous wrote:
Can anyone tell me their experience with this score? I know it is not a FICO, so I am wondering when you go to a lender is their score higher or lower than what you are obtaining from the Experian site? Is that number even close to being accurate?

My Experian Plus score is 628, I am wondering how I can estimate what my actual score is?

Well, from my experience my PLUS and VANTAGE scores (TU scores as well) are always lower than FICO. So, I could (in my circumstance) conclude that if I get these scores into "excellent" range, I should be seeing an even better FICO. From what I can tell, these non-FICO scores are more conservative than myFICO (FICO flavors might be different).