topic Re: Experian Fico Score Question in Rebuilding Your Credit

Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 14:34:34 GMT

Hi all - So, I am a bit confused about my Experian credit score. Today I got an alert that my score went up 26 points! Very happy, and I think it is due to the removal of a collection and also payments made to my discover card. However, is that score my True score? I ran my Credit Karma and they are saying my score only went up 1 point. A bit confused. Any insight would be great! Thank you!

Re: Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 14:40:52 GMT

Where did the alert come from? That information will tell whether it's a 'true' Fico or not. It may be a true score, but a different version. Credit Karma uses Vantage, which is different from Fico.

Re: Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 14:43:33 GMT

I use credit check total which is a experian product and it's a fico score.
Credit karma is unpredictable my score just dropped 50 something points cause a new card was reported and lowered my AAoA but it went up 20 on my CCT.

Re: Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 14:46:11 GMT

Fico 8

Re: Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 14:49:10 GMT

CK uses Vantage 3.0 it is not a Fico score. Most lenders only use Fico scores. I would advice reading the thread "Understanding Fico Score" it will really educate you on how credit scores work with different lenders this is informationg we all need to know!

Also if you sign up for 3b Fico Score they will give you not only your 3 Fico Scores for Transunion, Equifax, and Experian but they also will give you 19 other lender based Fico scores every 3 months so u can see what different versions of Fico scoring looks like.....Good Luck on your credit journey!

Re: Experian Fico Score Question

Anonymous — Wed, 27 Apr 2016 16:48:04 GMT

Hi - I am a member of Experian.com - So, it is the Fico Score 8