Community feedback about Experian's decision to discontinue offering FICO scores on myFICO

[Anonymous]

Did you get any replies?  That is my main question as well as my Experian score is 80 points higher than the others. 

[llecs]

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debtkiller wrote:
I am disappointed because that my Experian score is 80 points higher than my equifax score!  Now it is apparently worthless.   

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Unless you got your Experian score from a lender, you don't have an Experian FICO score. Ignore it if that's the case.

[Anonymous]

I was just looking at my Discover bill and they have added a new tab for managing your finances and offer your Experian credit scores monthly for $7.99 per month.  Is this the same score we're talking about that is only available to banks and lenders? 

I also see that Bk of America has lowered my credit limit still again, without notification.  American Express has somehow increased my payment and finance charge amount and I don't see a corresponding increase in the interest rate.   Where else can I look on the bill to see what changed? 

750Lady

[haulingthescoreup]

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750Lady wrote:

I was just looking at my Discover bill and they have added a new tab for managing your finances and offer your Experian credit scores monthly for $7.99 per month.  Is this the same score we're talking about that is only available to banks and lenders? 750Lady

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I doubt it, but I will follow this up.

--I'm digging, but I can't find this page. Can you post back with the precise link?

[Anonymous]

Glad to help, here is the info... 

It's called Credit ScoreTracker and the link is:  https://www.discovercard.com/cardmembersvcs/creditscoreweb/cst/CSTSplash

These are the attributes: 

• Customized e-mail alerts that notify you of changes to your credit score
• Easy to use score tracking tools that show how your score changes month to month
• Unlimited access to your Experian® credit report and score so you can get it when you need it
• Credit Score Illustrator tool to help you understand which factors can impact your score

750Lady

[Anonymous]

Nope, the one provided by Discover is actually almost identical to CCT (also provided by experian) and it uses their plus score not a FICO score.

[Anonymous]

Please tell me what that means in English!  Thanks, 750Lady

[haulingthescoreup]

If you're referring to Suzyquk's post, it means that the scores and reports that you're getting via Discover are also FAKO's. They look very similar to CreditCheckTotal, which is an Experian product.

At any rate, definitely not FICO's.

[Anonymous]

Does anyone know which Company/Fico Score American Express (proper) uses when providing a free score?

I wonder if it's Experian or Fico?

[Anonymous]

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@Anonymous wrote:

Does anyone know which Company/Fico Score American Express (proper) uses when providing a free score?

I wonder if it's Experian or Fico?

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AmEx's CreditSecure monitoring offers Plus scores (Fako score developed by Experian) for all three CRAs, so I would presume that any other free score AmEx offers would be a Plus score also ...