topic Re: New myfico Experian score........How much used in General Credit Topics

New myfico Experian score........How much used

669 — Mon, 17 Jun 2013 12:42:31 GMT

Are there alot of lenders using the current Experian scoring system that Myfico has? And how new is this scoring model?

Thanks

Re: New myfico Experian score........How much used

llecs — Mon, 17 Jun 2013 13:29:29 GMT

It's the newest EX FICO version. Per lenders...not too many use it. I know for sure Amex uses it and I know there are others too.

Re: New myfico Experian score........How much used

669 — Mon, 17 Jun 2013 13:36:16 GMT

llecs

That what i was afraid of....I just check mine and it was 849 so with my luck I knew alot of vendors would not be using it.

Re: New myfico Experian score........How much used

llecs — Mon, 17 Jun 2013 13:37:58 GMT

Awesome score!

Re: New myfico Experian score........How much used

669 — Mon, 17 Jun 2013 14:09:16 GMT

Thanks IIecs

I am really happy with that score....would love to get EQ and TU above 800, Ill just keep working at it.

Re: New myfico Experian score........How much used

Anonymous — Mon, 17 Jun 2013 18:54:21 GMT

849???? Better go to a local news station and share your credit success on television how long did it take you to get your credit this established?

Re: New myfico Experian score........How much used

669 — Mon, 17 Jun 2013 19:37:19 GMT

Gatech

27 years and alot of patience

Go Yellow Jackets!!!

Re: New myfico Experian score........How much used

Anonymous — Tue, 18 Jun 2013 02:35:39 GMT

I'm a rambling Wreck from Georgia Tech and a helluva engineer!!! (And I'm double majoring Civil Engineering with Public Policy haha).

Re: New myfico Experian score........How much used

Kratos-TM — Wed, 17 Jul 2013 13:52:24 GMT

It seems this new experian is very forgiving. My EQ and TU are better looking reports in every category in scoring, yet my EX has the highest score. Just make you go hmmm....

Re: New myfico Experian score........How much used

Anonymous — Wed, 17 Jul 2013 22:43:13 GMT

@llecs wrote:
It's the newest EX FICO version. Per lenders...not too many use it. I know for sure Amex uses it and I know there are others too.

I am now thourouly confused. I recently received an AMEX BCE and it was noted on the literature that came with my card was an Experian FICO score of 784. I pulled My FICO Experian report through this site and it has a score of 708. The FICO EX through this site also has 2 baddies that have come off my EQ and TR which were pulled through My FICO. So, if the supposed new EX from my FICO is up to date, I'm not understanding, Any help would be appreciated.

Re: New myfico Experian score........How much used

llecs — Thu, 18 Jul 2013 00:52:54 GMT

@Anonymous wrote:
@llecs wrote:
It's the newest EX FICO version. Per lenders...not too many use it. I know for sure Amex uses it and I know there are others too.
I am now thourouly confused. I recently received an AMEX BCE and it was noted on the literature that came with my card was an Experian FICO score of 784. I pulled My FICO Experian report through this site and it has a score of 708. The FICO EX through this site also has 2 baddies that have come off my EQ and TR which were pulled through My FICO. So, if the supposed new EX from my FICO is up to date, I'm not understanding, Any help would be appreciated.

and it cited an EX FICO (vs. an EX score or a score from TU/EQ)? I've seen other posters claim their Amex matched. Maybe they use two different EX FICOs? I know they have used an internal score in the past. Or maybe a baddie dropped (assuming the 784 was pulled latter).

Re: New myfico Experian score........How much used

Anonymous — Thu, 18 Jul 2013 01:10:51 GMT

@llecs wrote:
@Anonymous wrote:
@llecs wrote:
It's the newest EX FICO version. Per lenders...not too many use it. I know for sure Amex uses it and I know there are others too.
I am now thourouly confused. I recently received an AMEX BCE and it was noted on the literature that came with my card was an Experian FICO score of 784. I pulled My FICO Experian report through this site and it has a score of 708. The FICO EX through this site also has 2 baddies that have come off my EQ and TR which were pulled through My FICO. So, if the supposed new EX from my FICO is up to date, I'm not understanding, Any help would be appreciated.
and it cited an EX FICO (vs. an EX score or a score from TU/EQ)? I've seen other posters claim their Amex matched. Maybe they use two different EX FICOs? I know they have used an internal score in the past. Or maybe a baddie dropped (assuming the 784 was pulled latter).

Yes, it cited EX FICO and I pulled the EX Fico from this site a few days later and no inquiries on the EX that I paid for on this site. I have a credit monitoring service through USAA that uses EX and that score was almost the same as what AMEX FICO EX cited. It has me confused because I need to dispute the baddies on My FICO EX and when I called EX they said They didn't know how I should go about disputing. I live in Texas and most of the other CC companies use Equifax. This was my first attempt at getting credit from a company that uses EX.