topic Re: Experian Score in Rebuilding Your Credit

Experian Score

wildbillcody — Tue, 16 Apr 2013 17:52:49 GMT

How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

Re: Experian Score

Anonymous — Tue, 16 Apr 2013 17:54:35 GMT

@wildbillcody wrote:
How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

Consumers cannot pull real Experian FICO scores, so what you pulled was a FAKO, likely a PLUS score. That score is useless.

Re: Experian Score

wildbillcody — Tue, 16 Apr 2013 17:58:42 GMT

Yes I knew that but i didn't expect the numbers to be so different. My other scores matched up with the lenders pretty much right on and I just didn't think there would be a 38 point difference

Re: Experian Score

Anonymous — Tue, 16 Apr 2013 18:52:24 GMT

@wildbillcody wrote:
Yes I knew that but i didn't expect the numbers to be so different. My other scores matched up with the lenders pretty much right on and I just didn't think there would be a 38 point difference

I don't think this is uncommon. my credit karma (Transrisk score) is almost 40 points different that my TU FICO 08

Re: Experian Score

mojobones89 — Tue, 16 Apr 2013 23:29:04 GMT

@wildbillcody wrote:
How can the experian score that i pull read so low (590) but yet the lender pulls their score and my experian is 628? weird.

credit bureaus have their own system,lenders most of the time have an internal system that base your credit report to their standards and criteria.