Experian FICO's are back?!

[Anonymous]

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@llecs wrote:

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@Anonymous wrote:

I had mine pulled from a Mortgage Lender on 6/7/2013 and it was 767, I just pulled it on here and it 706???

My Fico     Lender

EQ 766      766

TU 755      748

EX 706      767

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Most mortgage lenders are using an EX FICO score that is over 10 years old.

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Most mortgage lenders pull 04 scores so I wouldn't say it's over 10 years yet 

[llecs]

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@Anonymous wrote:

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@llecs wrote:

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@Anonymous wrote:

I had mine pulled from a Mortgage Lender on 6/7/2013 and it was 767, I just pulled it on here and it 706???

My Fico     Lender

EQ 766      766

TU 755      748

EX 706      767

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Most mortgage lenders are using an EX FICO score that is over 10 years old.

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Most mortgage lenders pull 04 scores so I wouldn't say it's over 10 years yet 

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The most used EX model by mortgage lenders is Fair, Isaac Risk Model v2, and that was developed around the time of TU98. They came out with a newer version around 2004 with the mention of "v3". And of course the newest is 08.

[TATATA]

My results:

PSECU - 6/01 FICO SCORE: 613

LOGIX FCU (XPN/Fair Isaac Risk Model V2) - 6/15 FICO SCORE: 633. Had them run my credit to see if it matched MyFICO EXP score - it didn't. 

MyFICO EXP  -  06/15 FICO SCORE 670

[ComputerWizMaster]

I'm sure that this has already been disclosed, but I'll mention it just in case anyway as I don't have the time to check all the pages...

It seems that the MyFICO Experian uses "Experian Fair Isaac V2" (my guess).

This was the scoring system cited on my NFCU mortgage application for Experian and matches the number shown on MyFICO Experian score exactly.

[Revelate]

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@ComputerWizMaster wrote:

I'm sure that this has already been disclosed, but I'll mention it just in case anyway as I don't have the time to check all the pages...

It seems that the MyFICO Experian uses "Experian Fair Isaac V2" (my guess).

This was the scoring system cited on my NFCU mortgage application for Experian and matches the number shown on MyFICO Experian score exactly.

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We were explicitly told it was EX '08.  I think it's likely coincidence assuming the information that was presented from a FICO employee is correct.

[imovinup]

omg wow i cant believe it this is awesome

[CS800]

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@LS2982 wrote:
Grrrrrr!!!

Well It looks like im sticking with PSECU im not jumping hoops to unlock that file!

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Same here. My files are frozen and I'll stick with PSECU for now since it seems like most lenders are still on the 04 version for EX FICO

[CS800]

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@LS2982 wrote:

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@kevinjjc wrote:

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@CS800 wrote:

Just tried to buy mine and got this error:

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Our apologies, an error has occurred...

Thank you for visiting myFICO.com®.We regret that we cannot provide you with your FICO-Scored Experian Credit Profile as Experian was unable to find credit records matching the personal identification information you submitted. Please Note: Your account has not been charged. You may see a pre-authorization for the purchase on your account. These funds are held temporarily and won't be posted as an actual charge until your order is complete. If you don't complete this order, this pre-authorization will be removed by your bank after a few days.

Thank you,

myFICO Customer Support

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Do you have a security freeze on your Experian credit report?

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I got that same msg and I have a freeze on all reports. What is strange is that I can pull EQ / TU with no problem and they are frozen as well.

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+ 1 same thing here.

[Calster]

OK. I wasn't expecting much from my EX FICO score since my EQ FICO and TU FICO are at 671 and 679, respectively.  EX FICO from MyFico came in at 753 (talk about an outlier).  All these scores were pulled at exactly the same time from MyFico.   All credit reports have pretty much all the same "good" and "bad" stuff.  I have some 60 and 90 days lates on all three from 2009/2010 and a few 30 day lates over the past 24 months.  Otherwise, last 12 months is spotless, no COs, no collections and no public records (in no small part thanks to the all the IRS tax lien withdrawal info on these forums).   In a week or so, I will have a zero balance on all my closed cc's that were closed back in 2009 (that will be a payoff of close to $10K in the next week).  I will have 5 open accounts that include a mortgage, Heloc, a CapOne cc with a $30 balance, 2 department store CCs with a zero balance and a $5,000 checking overdraft with a zero balance.  Since MyFico uses an older version of TU and the EX FICO8, could the FICO8 model corresponds more closely to the TU04 that most mortgage lenders pull?  It may be wishful thinking on my part, but I'm just trying manage my expectations as I get ready to apply for a refinance/construction to perm mortgage loan so I can rebuild after Sandy and move my family out of the double wide trailer on the front lawn.  Trying to get as close to 720 as possible.