topic Re: Experian Fico score...where do I get the real one? in General Credit Topics

Experian Fico score...where do I get the real one?

Anonymous — Tue, 12 Oct 2010 16:34:28 GMT

Know I can get my "real" TU and EQ scores here, but where do I get the real Experian score. Tried the experian site and ended up with a Vantage Score (fako I presumed). It was very very high compared to my FICO! Thx

Re: Experian Fico score...where do I get the real one?

MarineVietVet — Tue, 12 Oct 2010 16:36:32 GMT

@Anonymous wrote:
Know I can get my "real" TU and EQ scores here, but where do I get the real Experian score. Tried the experian site and ended up with a Vantage Score (fako I presumed). It was very very high compared to my FICO! Thx

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 in Pennsylvania that supplies that information to it's members only.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

Re: Experian Fico score...where do I get the real one?

JasonBourneOfCredit — Fri, 15 Oct 2010 20:10:18 GMT

Freecreditreport.com uses Experian, but its a FAKO.

However, how far off is their FAKO to the FICO?

Re: Experian Fico score...where do I get the real one?

haulingthescoreup — Fri, 15 Oct 2010 20:32:49 GMT

@JasonBourneOfCredit wrote:
Freecreditreport.com uses Experian, but its a FAKO.

However, how far off is their FAKO to the FICO?

It varies for everyone. Could be a little or a lot higher, could be a little or a lot lower, no telling.

It's on a different score range from FICO, and it's derived from a different score formula from FICO's, so you just can't subtract 32 and multiply by 5/9.

Re: Experian Fico score...where do I get the real one?

GregB — Fri, 15 Oct 2010 20:34:38 GMT

Experian Plus Score is usually equal to Experian FICO plus or minus 100 points. People find them that far off in EITHER direction. The Experian Vantage Score is usually way higher so best guess is plus 200 or minus 0. If you want to compare the letter grades then they are usually within two groups. It is easy to have a "C" in one and an "A" in the other, or "good" in one could be "very good" or "excellent" in the other. That is exactly where mine is right now: good in one and excellent in the other.

Hard to imagine how it could be much more useless since FICO is what almost all lenders use.

ETA: OK, Hauling won the "typing contest" this time

Re: Experian Fico score...where do I get the real one?

Dee2 — Wed, 20 Oct 2010 19:47:53 GMT

Equifax offers the 3-in-One credit score for EQ, EX and TU. They say you can access all three scores from all three burroughs. Has anyone had any experience with it? More importantly does anyone know if the score that is offered for Experian is the real deal?

Not to hijack the thread, but if someone has experience with Equifax's credit reports it might provide an answer to your question.

Thanks

~Dee

Re: Experian Fico score...where do I get the real one?

Lel — Wed, 20 Oct 2010 19:51:06 GMT

@Dee2 wrote:

Equifax offers the 3-in-One credit score for EQ, EX and TU. They say you can access all three scores from all three burroughs. Has anyone had any experience with it? More importantly does anyone know if the score that is offered for Experian is the real deal?

Not to hijack the thread, but if someone has experience with Equifax's credit reports it might provide an answer to your question.

Thanks

~Dee

The Experian score through this service is NOT a FICO score.

Re: Experian Fico score...where do I get the real one?

GregB — Wed, 20 Oct 2010 21:22:32 GMT

NONE of the three scores through this service are FICO scores.

Re: Experian Fico score...where do I get the real one?

Anonymous — Thu, 21 Oct 2010 14:53:44 GMT

Funny thing is that when I went to Experian site (vantage score/fako) my score was 760...but when I went to Quizzle.com, my current Experian score was 670. That seems much more in line with my EQ 689 & TU 708 fico scores.

Re: Experian Fico score...where do I get the real one?

happy0510 — Thu, 21 Oct 2010 17:20:16 GMT

Isn't Alliant a real EX FICO?

Re: Experian Fico score...where do I get the real one?

Dee2 — Fri, 22 Oct 2010 10:59:04 GMT

I think It is misleading and wrong of the Equifax to offer scores from all 3 bureaus and not disclose that they are not real FICO scores.

Re: Experian Fico score...where do I get the real one?

JudiB — Sun, 12 Dec 2010 17:19:56 GMT

Running a "3 Bureau" Credit Score request from either Equifax, Experian or Transunion no longer yields ANY FICO scores...the "credit scores" you get are all VANTAGE scores, which have no correlation to FICO. WHAT A CONSUMER DECEPTION!! All the bureaus seduce consumers into getting their "credit scores"...but those credit scores are NOT the ones lenders use to assess our credit worthiness WHICH IS WHY WE CARE ABOUT OUR FICO SCORES (not CREDIT SCORES) in the first place!!!

To the best of my knowledge, the ONLY place you can see any of your FICO scores now is at MyFICO.com. Also, to the best of my knowledge, there is NO PLACE where you can find your own Experian FICO score!!!! (other than having a lender or vendor pull your credit if they will give you your score).

There are hundreds of sites out there selling you your "credit scores" or "3 bureau credit scores" or the like...but I've yet to find ANY of those who actually are giving you FICO...they're all either "simulator" scores or totally different measuring systems. FICO scores range from 300-850. The Transunion and Equifax "score" system (VANTAGE) scores between 501-990. IE, an 800 score in FICO means something totally different than an 800 score in VANTAGE (TU, EQ or EX)

Certainly if anyone else has more current info on this subject, I welcome the update!

HTH

Re: Experian Fico score...where do I get the real one?

vanillabean — Sun, 12 Dec 2010 15:44:03 GMT

If you knew your EX FICO within a 10 point range, would that be of significantly less value than knowing the exact score?

Re: Experian Fico score...where do I get the real one?

JudiB — Sun, 12 Dec 2010 16:01:48 GMT

Chances are if the difference was 10 points it MIGHT not (depending on where that number stood in the pricing thresholds). The scores can influence what interest rates you're eligible for and if you fall below a given threshold you get a higher interest rate. So the more ACCURATE the information you have and the more consistently what YOU see versus what a lender sees, the more prepared you are to challenge the rate a lender or vendor wants to charge you if it's higher than you're qualifed and eligible for. Chances are also that the difference between what the actual FICO score is and what the credit scores we're now able to see at Transunion, Equifax, and Experian are a whole lot more than 10 points.

I've just pulled all of my credit scores (obviously I cannot find my Experian FICO). The other two, however, differ between 50-70 points from my FICO score

Re: Experian Fico score...where do I get the real one?

vanillabean — Sun, 12 Dec 2010 16:35:01 GMT

Every-little-bit-counts vs living-within-your-means comes into play here. If your EX FICO is low because your utilization is high, then lenders view you as a risk, because how well can you manage more credit if you already owe considerably? If you have to ask for the price, maybe you can't afford it?

Re: Experian Fico score...where do I get the real one?

JudiB — Sun, 12 Dec 2010 17:16:54 GMT

Bottom line, I want to know, as close as possible, what it is that lenders and vendors see...otherwise they have a distinct and UNFAIR ADVANTANGE. When you get a mortgage, lenders have guidelines as to what credit scores qualify you for which interest rates...and if you don't know the credit scores the lenders are seeing, how can you contest the rate they offer if they choose not to follow their own guidelines and OVERCHARGE you?

This is ALL about being responsible consumers. We don't need credit scores of any kind to know that we're paying our bills on time or how much our credit lines are and how much we are or are not utilizing them. We DO however, need to know what our FICO scores are to know when we, as consumers, are being treated fairly or, more importantly, are NOT.

Particularly in this time when people have been faced with more and more challenges financially, keeping an eye on the movement of your credit scores gives you some layer of protection...you have at least SOME idea where you stand in the marketplace. You may have some sense of whether you are moving forward or backward, but having a sense of "how much" can be very important. It can even impact your ability to get a job, rent an apartment...a whole lot more than "buying" something.

Re: Experian Fico score...where do I get the real one?

MarineVietVet — Sun, 12 Dec 2010 17:32:04 GMT

@JudiB wrote:
Running a "3 Bureau" Credit Score request from either Equifax, Experian or Transunion no longer yields ANY FICO scores...the "credit scores" you get are all VANTAGE scores, which have no correlation to FICO. WHAT A CONSUMER DECEPTION!! All the bureaus seduce consumers into getting their "credit scores"...but those credit scores are NOT the ones lenders use to assess our credit worthiness WHICH IS WHY WE CARE ABOUT OUR FICO SCORES (not CREDIT SCORES) in the first place!!!

To the best of my knowledge, the ONLY place you can see any of your FICO scores now is at MyFICO.com. Also, to the best of my knowledge, there is NO PLACE where you can find your own Experian FICO score!!!! (other than having a lender or vendor pull your credit if they will give you your score).

There are hundreds of sites out there selling you your "credit scores" or "3 bureau credit scores" or the like...but I've yet to find ANY of those who actually are giving you FICO...they're all either "simulator" scores or totally different measuring systems. FICO scores range from 300-850. The Transunion and Equifax "score" system (VANTAGE) scores between 501-990. IE, and 800 score in FICO means something totally different than an 800 score in VANTAGE (TU, EQ or EX)

Certainly if anyone else has more current info on this subject, I welcome the update!

HTH

There is a CU in Pennsylvania (PSECU) that supplies that information to it's members only. You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but they make it very hard to find.

Edited cuz' I kent typ rite!!!

Re: Experian Fico score...where do I get the real one?

JudiB — Sun, 12 Dec 2010 17:24:20 GMT

Moderator marinevietvet just wrote

"There is a CU in Pennsylvania that (PSECU) supplies that information to it's members only. You can also purchase your Transunion score at www.transunioncs.com. At www.equifax.com EQ will still sell you an EQ FICO score but they make it very hard to find."

______________________

Is there ANYWHERE where we, as consumers, can get our Experian FICO score?

Re: Experian Fico score...where do I get the real one?

llecs — Sun, 12 Dec 2010 17:35:04 GMT

You can get your EX FICO from that CU he mentioned (PSECU...if you have their checking acct) or from your lender.

Re: Experian Fico score...where do I get the real one?

MarineVietVet — Sun, 12 Dec 2010 17:45:12 GMT

@llecs wrote:
You can get your EX FICO from that CU he mentioned (PSECU...if you have their checking acct) or from your lender.

For some reason I left out the lender part. DUH!!!