Lenders that pull Experian FICO 5, 4 or 2?

[Wyche89]

Hi All! Fresh out of credit repair and looking to rebuild. I wanna get an equipment loan for my business. Does anybody know of any lenders that pull Experian and use FICO 5,4 or 2?

[Slabenstein]

I can't offer business lender recommendations, but when you say you want a lender that pulls Experian and uses FICO 5, 4, or 2, what scores do you mean?  When people refer to FICO 2, 4, & 5, they're usually talking about (what are now) the morgtage scores--EX2, TU4, and EQ5.  EX2 is the Experian version of FICO98, but there is no EX4 or EX5.  TU4 and EQ5 are those respective bureau's versions of the FICO04 score, and there is an Experian FICO04, which is EX3.

[Wyche89]

Thank you for your reply. Then yes, it sounds like I'm referring to EX2. I had a lender recently pull a credit score that was much higher than I've ever heard. And I just learned about the 5,4,2 scoring model through my reports on this site, which corresponds with the experian score they pulled. So I'm just looking for more lenders that use that data from EX2

[SouthJamaica]

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@Wyche89 wrote:

Thank you for your reply. Then yes, it sounds like I'm referring to EX2. I had a lender recently pull a credit score that was much higher than I've ever heard. And I just learned about the 5,4,2 scoring model through my reports on this site, which corresponds with the experian score they pulled. So I'm just looking for more lenders that use that data from EX2

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I think you'll be waiting a long, long time to find another business lender using that score, other than for mortgages.

[FlaDude]

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@Wyche89 wrote:

Thank you for your reply. Then yes, it sounds like I'm referring to EX2. I had a lender recently pull a credit score that was much higher than I've ever heard. And I just learned about the 5,4,2 scoring model through my reports on this site, which corresponds with the experian score they pulled. So I'm just looking for more lenders that use that data from EX2

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Would you mind sharing who the lender is? As @SouthJamaica mentions in the next post, I don't think that would be very common.

[Wyche89]

It was ROK Financial

[FicoMike0]

Rok, repulsive of korea. I don't think I'd borrow from them.

[SouthJamaica]

Shouldn't this thread be under "Business Credit"?

[Wyche89]

Well, my purpose is to get credit for my business, but the info can be utilized for personal credit as well