topic Re: Frustrated in Rebuilding Your Credit

Frustrated

Anonymous — Tue, 12 Jul 2011 00:15:58 GMT

I just got my experian score and it's 631. I know they all can have different things reported but why does the "important" one have to be so low? Sorry, I'm just starting this and getting so down. The good news is I have checked all 3 reports and know what I need to do.

I just noticed while reading the fine print that they have different scoring then the other two so that helps make some better sense of it.

Re: Frustrated

Booner72 — Tue, 12 Jul 2011 00:56:51 GMT

Why is Experien the "important one?"

Re: Frustrated

Anonymous — Tue, 12 Jul 2011 01:14:33 GMT

I've come to see it that way lately because it's the one that seems to be popping up everywhere - here and with all the lenders although I've stopped having it pulled while working on it.

Re: Frustrated

MarineVietVet — Tue, 12 Jul 2011 01:29:47 GMT

@Anonymous wrote:
I just got my experian score and it's 631. I know they all can have different things reported but why does the "important" one have to be so low? Sorry, I'm just starting this and getting so down. The good news is I have checked all 3 reports and know what I need to do.

I just noticed while reading the fine print that they have different scoring then the other two so that helps make some better sense of it.

May I ask where you got your EX score?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Frustrated

Anonymous — Tue, 12 Jul 2011 01:43:37 GMT

I got it directly from their site

Re: Frustrated

MarineVietVet — Tue, 12 Jul 2011 01:49:13 GMT

@Anonymous wrote:
I got it directly from their site

What EX sells to consumers now is called a "Plus" score and this is NOT an EX FICO score. In fact on their website EX will tell you (in small print):

Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders.

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 (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money.

At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Equifax will still sell you a FICO score but you have to look very hard to find it. You can get to it here: www.equifax.com/web-myfico-products/

Re: Frustrated

Anonymous — Tue, 12 Jul 2011 20:36:34 GMT

That is true. The only way I know my Ex score is because my CU pulled it to qualify me for a loan (of course if I'm in this thread, I clearly was denied, HA HA...just a little rebuilding credit humor). It's actually higher than my EQ true FICO score, so IMO, EQ is the hardest graded CRA...