Experian Score

[poops]

I have my FICO TU and EQ scores... I am itching to know my FICO EX score.

Does anyone know of a lender/creditor who always pulls Experian credit reports and scores? BTW, I live in IL.

I'm looking to apply for the Citi Gold AAdvantage Visa Signature card (They sent me an invitation to apply...). I have no idea which CRA they check for IL residents.

Any insight will be appreciated.

Thanks in advance. 

[Anonymous]

amex pulled the FICO EX for me in cali

[tntexans72]

I apped for a CITI card back in 2008 and they HP EQ for me in Texas. Requested a CLI a couple of yrs ago and they also HP EQ for me too. GL.

Amex will always pull EX if they need a 2nd report, they will always pull TU.

[Anonymous]

Amex pulled EX for me in Ohio. From what I have heard this is standard for almost every state.

There is a lot more to their decision than your score though. If I was in your position I'd be more concerned about making sure there was no wrong info on EX, and you can get that from Experian without having someone do a hard pull. If the info matches EQ and TU, then the score won't be wildly different and I wouldn't get too hung up on it.

Mike

[Anonymous]

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@Anonymous wrote:

Amex pulled EX for me in Ohio. From what I have heard this is standard for almost every state.

There is a lot more to their decision than your score though. If I was in your position I'd be more concerned about making sure there was no wrong info on EX, and you can get that from Experian without having someone do a hard pull. If the info matches EQ and TU, then the score won't be wildly different and I wouldn't get too hung up on it.

Mike

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Also, I just IM'd a friend in Illinois who just got a different Citi card. They pulled EQ.

[searchingfor67]

Amex pulled experian for me in Oh and so did Citi...

[poops]

@Bigfoot...

I did pull my report and PLUS score from experian. The report looked accurate and clean. The PLUS score was pretty good but, we all know it's a FAKO. I just want the real thing. Don't really know if it's worth the ding of a few points from the inquiry...

[Anonymous]

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@poops wrote:

@Anonymous...

I did pull my report and PLUS score from experian. The report looked accurate and clean. The PLUS score was pretty good but, we all know it's a FAKO. I just want the real thing. Don't really know if it's worth the ding of a few points from the inquiry...

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its only a soft hit if u dont get approved with amex

[poops]

Also... I know that creditors conduct periodic reviews of their customers' credit reports. Has anyone ever tried or had success with calling the CS for a CC company and just plaing asking them if they will share the credit reports and/or scores they have on file from their last review?

[Anonymous]

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@poops wrote:

@Anonymous...

I did pull my report and PLUS score from experian. The report looked accurate and clean. The PLUS score was pretty good but, we all know it's a FAKO. I just want the real thing. Don't really know if it's worth the ding of a few points from the inquiry...

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Yeah, ignore the FAKO and concentrate on the info, imho. It may be worth the points ding or may not, but if Citi are enquiry-sensitive a new enquiry might not help.