topic EXPERIAN in General Credit Topics

EXPERIAN

Anonymous — Mon, 18 Oct 2010 20:07:13 GMT

NEVER HAD A NEGATIVE factor until last few months.

Now they are saying my revolving balances are too

high. I am at 2% util.

i have been stuck at 782 since July. and I guess this

why.

I called them and asked "do you not want us to

spend any money in this economy?"

I also wanted to cancel my monitoring service but they cut

the cost in half.

I have never had any problems with them before and they

never sent me an alert.

Re: EXPERIAN

Anonymous — Mon, 18 Oct 2010 23:23:43 GMT

Oh, you FICO High Achievers and your nonsensical "negative factors"! LOL!

There's a general consensus that once you've reached "high achiever" status that the negative factors grow increasingly mind-boggling. Best as anyone can figure, they've gotta come up with something, so pretty much *anything* will do. I once saw someone report a negative factor for high utilization when their utilization was zero. Go figure!

Re: EXPERIAN

haulingthescoreup — Mon, 18 Oct 2010 23:25:09 GMT

What kind of Experian report is giving you this score and negative factor? Just curious.

Re: EXPERIAN

Anonymous — Tue, 19 Oct 2010 14:03:37 GMT

I have used credit expert monitoring for years and I buy My Ficos every couple of months.

Re: EXPERIAN

GregB — Tue, 19 Oct 2010 16:01:51 GMT

I have also used CreditExpert for years. Their unlimited reports and blazing fast updates are great. Their scores and reason codes are nonsense.

Re: EXPERIAN

fused — Tue, 19 Oct 2010 16:43:41 GMT

@GregB wrote:

I have also used CreditExpert for years. Their unlimited reports and blazing fast updates are great. Their scores and reason codes are nonsense.

Very true!!!!!!

Re: EXPERIAN

marty56 — Tue, 19 Oct 2010 22:13:21 GMT

Since it's a FAKO score, you can ignore the comments. LOL I saw a statement once that said my revolving CC balances were too low.