topic Re: How do u get a ExperianFico? in Rebuilding Your Credit

How do u get a ExperianFico?

Aspireto850 — Thu, 01 Nov 2012 18:49:21 GMT

As the subject indicates, I'm curious how to get a ExperianFico Fico score? I have monitoring with free credit reprt and know tht Myfico.com doesn't provide ExperianFico scores so how do I get it?

Re: How do u get a ExperianFico?

Shogun — Thu, 01 Nov 2012 18:52:09 GMT

Experian stopped providing their FICO scores to consumers a coulple years ago. No one sells it, not even themselves. You have to have a lender pull or belong to a particular CU in Pennsylvania that provides it to their customers. Sorry.

Re: How do u get a ExperianFico?

j_casteel — Thu, 01 Nov 2012 18:52:39 GMT

PSECU member's can get it, but they do not allow consumers to purchase scores now.

Also, not sure how accurate the EX FICO is that AMEX reports in their denial letters, but I've gotten a couple and they state "Experian FICO score on scale up to 850" and I called them to verify that it was a real FICO and they confirmed it for me that it was.

Re: How do u get a ExperianFico?

diabla — Thu, 01 Nov 2012 19:56:31 GMT

What is that EX Vantage score that they sell on their site? I bought it for $7.95, but don't know what its used for or how close it would be to the EX FICO score.

Re: How do u get a ExperianFico?

Shogun — Thu, 01 Nov 2012 19:57:57 GMT

It's their own score. No real correlation to your FICO score.

Re: How do u get a ExperianFico?

llecs — Thu, 01 Nov 2012 20:34:14 GMT

@diabla wrote:
What is that EX Vantage score that they sell on their site? I bought it for $7.95, but don't know what its used for or how close it would be to the EX FICO score.

I'll also add that FICO has a range of 300-850 and Vantage of 501-990. Each factor accounts differently and the scores would be different. You can also get a TU Vantage from CreditKarma.

Re: How do u get a ExperianFico?

diabla — Thu, 01 Nov 2012 21:55:18 GMT

Ohhh, so that score they give you is worth....what? Who uses it?

Re: How do u get a ExperianFico?

Shogun — Thu, 01 Nov 2012 22:54:23 GMT

No idea... when I contacted them before I knew what FAKO vs FICO was, they advised me the score was for educational purposes only and may not be what lenders use.

Re: How do u get a ExperianFico?

p- — Thu, 01 Nov 2012 22:57:56 GMT

@Aspireto850 wrote:
As the subject indicates, I'm curious how to get a ExperianFico Fico score? I have monitoring with free credit reprt and know tht Myfico.com doesn't provide ExperianFico scores so how do I get it?

There's an old Megadeth B-side track that if played backwards reveals the secret rituals by which a consumer can see this score. Be warned, these rituals are not for the faint of heart. The ingredients are rare, and chilling... and the ritual itself will leave a deep psychological scar. You will be changed forever.