Experian FICO's are back?!

[Anonymous]

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@vpae wrote:

This doesn't make any sense.

I went into the bank on 06/11 to start my refi. They did a pull of all 3 and here's what I got.

Experian - 770

Equifax - 788

Transunion - 783

I updated both my Transunion and my Equifax on myFico before going in that morning and with today's Experian purchase. Here is what I got.

Experian - 815

Equifax - 788

Transunion - 765

Why is the Experian score so much higher?

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This confirms that the version of the EQ score used here is the one most often used by mortgage lenders.  The TU here is really obsolete (a FAKO for practical purposes) and not worth buying.   Need more examples of the EX pulls to see if it corresponds to those used by enough lenders.

[kroberts67]

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@vpae wrote:

Screenshot

https://www.dropbox.com/s/sol8yn9eksqd36q/creditscore.png

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Them are some pretty little numbers!

[09Lexie]

No promo codes...boo!

[Dubious]

Is no one else going to jump and buy it? Lol. Sadly I have nothing else to compare it to, even if I did

[vpae]

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@Dubious wrote:

Does myfico not actively disclose what models they sell? I've been trying to find it on the site to no avail. 

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I looked all over the report it gave me, I can't find out what model it is using.

This is listed under 'Understanding your score'

*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.

[528491]

Awesomeness. However, I'm not inclined to pay $20/report. I wish they would offer all three for $30 or so.

[Anonymous]

Well that sucks I pulled the trigger and got the EX Fico and it is lower than the score from Experian. 

On EX site i was at 655 and just pulled EX Fico here and 617.

I am so pissed right now, how is there a 38pt difference???

My TU Fico 674 and EQ Fico 686 and now EX Fico 617, that sucks.

[thelethargicage]

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@vpae wrote:

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@Dubious wrote:

Does myfico not actively disclose what models they sell? I've been trying to find it on the site to no avail. 

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I looked all over the report it gave me, I can't find out what model it is using.

This is listed under 'Understanding your score'

*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.

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I was this close to buying it just a couple minutes ago.  Glad I didn't.  Thanks for the heads up.

[Dubious]

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@Anonymous wrote:

Well that sucks I pulled the trigger and got the EX Fico and it is lower than the score from Experian. 

On EX site i was at 655 and just pulled EX Fico here and 617.

I am so pissed right now, how is there a 38pt difference???

My TU Fico 674 and EQ Fico 686 and now EX Fico 617, that sucks.

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The score Experian sells directly is a FAKO.

[vpae]

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@Anonymous wrote:

Well that sucks I pulled the trigger and got the EX Fico and it is lower than the score from Experian. 

On EX site i was at 655 and just pulled EX Fico here and 617.

I am so pissed right now, how is there a 38pt difference???

My TU Fico 674 and EQ Fico 686 and now EX Fico 617, that sucks.

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I have a score from Experian too, they list it as a PLUS Score. Mine shows 771 from Experian, but significantly higher on myFico. Go figure?