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@Anonymous wrote:Okay good! That scared me for a second. I've been rebuilding my credit and that score was lower than when I started! Where can i get my real Experian score?
You cannot buy your EX FICO. The only pleace you can get it for free is with a credit union in PA (PSECU) it is provided free of charge with an account there. Or you can apply for an AMEX and they do provide EX FICO's but it will cost you a HP on EX.
The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.
@LilloEsquilo wrote:The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.
Their website score is a PLUS score which is pretty much useless other than a online loan site (Prosper) and they even use a diff. version of PLUS (Scorex +)
I use FreeCreditReport.com to monitor my EX report and my "Plus" score is 765 and my true EX FICO is 798, so you can see the difference, not very reliable, 33 point difference is pretty far off, I've read where a Members Plus score was in excess of 100 points off of their true EX FICO.
FCR.com is great for monitoring my EX report, I can refresh daily, and what's even better is I had to call them one time because I could not log into my account, and the CSR was saying how sorry she was and told me, since I've been a Member for over two years that she was going to cut my monthly payment from 14.95 to 7.95 for the next two years, and also gave me a 3 in 1 report (not that I really wanted that, I already have CMS for EQ and TU) but I thought that was awesome.
Anyhoo, just thought I'd give my input on the "Plus" score (not reliable).