topic Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo in General Credit Topics

Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

Anonymous — Thu, 06 Nov 2014 22:00:06 GMT

Ok, on 11/2 I bought the (3) scores package here. It showed my Experian at 620. Today after I had a meeting at Wells Fargo Advisors I was given an access code for a free report on Experian. Experian showed my score at 687. Is there a reason for the difference or is it possible something aged and helped the score in those few days? I did have a collection account on Experian only and I am guessing it was just deleted (I had a PFD in writing and contacted them Monday morning and they submitted for deletion again).

If this was because of a collection delete is 67 points a normal gain?

Thanks in advance!!!

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

Anonymous — Fri, 07 Nov 2014 01:28:52 GMT

Anyone please? If I am not following some form of etiquette rules here please let me know.

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

CreditCuriosity — Sat, 08 Nov 2014 21:26:08 GMT

WF isn't a FICO score it is a FAKO

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

Anonymous — Sun, 09 Nov 2014 16:57:28 GMT

The link starts at Wells but once you click that link it takes you directly to Experian's site.

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

CreditCuriosity — Mon, 10 Nov 2014 22:21:14 GMT

Experian site is still a FAKO as well... The only person that can give out a FICO score is FICO/MYFICO. Experian/TU/EQ provides data to FICO/MYFICO and based on that data a score is generated FICO scores bsaed on that data and very complex formulas. Experians site is a plus score probably and no lenders use it. They have the data at experian yes, but it isn't a FICO score.

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

Anonymous — Mon, 10 Nov 2014 22:25:25 GMT

CC, thank you a ton for that explanation. I can fully understand things better now.

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

yoda42 — Tue, 11 Nov 2014 01:19:55 GMT

The Experian score via Wells Fargo promotion is Vantage 3.0 (850 scale). Apparently we can get the score 5 times in 90 days (i just got it setup but had to call to get it set up).

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

takeshi74 — Tue, 11 Nov 2014 13:36:40 GMT

(nm)

Re: Question Please - Score difference on Experian between myFICO Experian direct from Wells Fargo

Anonymous — Thu, 13 Nov 2014 21:41:14 GMT

You will probably get different scores from businesses. I was told the best way to find out where you stand on your scores is to talk to a mortage person. They can pull it buy it is costly. I had a notice come in the mail telling me my experian credit score was 568 and a month later AT&T ran it and it showed 707. I don't know exactly how each company figures the scores.