topic Experian Still Relevant??? in General Credit Topics

Experian Still Relevant???

KeithW — Sat, 28 Apr 2012 05:35:19 GMT

While TU and EQ have generally the same info on me Experian seems to have only about 1/4 of my credit information. It is pretty lacking. Do lenders still use all three?

Re: Experian Still Relevant???

webhopper — Sat, 28 Apr 2012 05:43:11 GMT

They do for mortgages... How come your EX is missing info?

Are all of the missing accounts associated with a specific address of yours?

Re: Experian Still Relevant???

KeithW — Sat, 28 Apr 2012 14:56:45 GMT

I haven't a clue. It seems that most of my accounts just don't report to them. Of course on the flip side it doesn't have any of the derogatory marks either. My score straight from Experian is 700. Not sure how to get a FICO score from them.

Re: Experian Still Relevant???

pizzadude — Sat, 28 Apr 2012 15:17:50 GMT

Unfortunately no one can buy a FICO score from EX. You would have to get it from a creditor.

And there are many, many creditors who pull EX. AMEX comes to mind. Also EX is heavily pulled on the west cost as well.

For me there isn't much difference in what shows on EX versus the other two CRAs, they are fairly consistant.

Re: Experian Still Relevant???

bettercreditguy1 — Sun, 29 Apr 2012 01:47:13 GMT

Good eve Keith,

Dittio for me. Experian only has about 1/4 of the trades that TU and Equifax report. They do have my remaining negative reported though.

Re: Experian Still Relevant???

Anonymous — Sun, 29 Apr 2012 04:19:33 GMT

for me my ex report ispretty much identical to tu and eq. all have 23(?) tls. about half of them closed

Re: Experian Still Relevant???

kjm79 — Mon, 30 Apr 2012 19:24:09 GMT

Check with the creditors who are missing from EX. It may just be that they don't report to EX. Could also possibly be a split file issue????

Re: Experian Still Relevant???

LS2982 — Mon, 30 Apr 2012 22:05:12 GMT

@KeithW wrote:
While TU and EQ have generally the same info on me Experian seems to have only about 1/4 of my credit information. It is pretty lacking. Do lenders still use all three?

Yes, very much so. If you ever want an AMEX card they almost exclusively pull EX.