New to this board, and I haven't posted online for along time. Test mode I guess!
I do have a question however, I pulled my EX score today, and feel a bit discouraged.
My ex-husband's actions forced me to file bankruptcy four years ago. I struggled as we
all have to get our scores back to decent. I am wondering WHY when all else is even
and nothing has changed my TU score would be 707 and EQ is 695 and for the first time
getting EX score its so much lower at 659. Seems to be a very large difference when for
four years my scores have only increased. I am very grateful for being able to get back
what I lost, just disheartening to see a large decrease in one score when nothing has changed.
Starting Score: 650
The easiest way to explain is 3 different CB's and 3 different algorithms
My lowest throughout time has almost always be EQ
Weird I know 
Its been over three months since I've posted this.........here's an update that is interesting. I applied for US bank credit card and I figured that if I was suppose to have it in the credit mix it would happen, if not...oh well! I havent applied for anything for three years. I was turned down, it didn't even matter. I was still doing the happy dance..lol My EX score was 736. The reason I am posting this is two fold. (The happy dance) and I can't believe that the score I pulled from myFICO (659) and USbank (736) is higher in just three months. Is my EX score that lenders see really that much higher?
@kcee wrote:Its been over three months since I've posted this.........here's an update that is interesting. I applied for US bank credit card and I figured that if I was suppose to have it in the credit mix it would happen, if not...oh well! I havent applied for anything for three years. I was turned down, it didn't even matter. I was still doing the happy dance..lol My EX score was 736. The reason I am posting this is two fold. (The happy dance) and I can't believe that the score I pulled from myFICO (659) and USbank (736) is higher in just three months. Is my EX score that lenders see really that much higher?
Congrats. My Ex is drastically different from Eq/Tu, too. It freaks me out :s
In the garden until debt is paid off and scores are up!
US Bank just pulled my score from EX I was denied, but in the letter they send they said it was EX classic v3 score of 736.. Three months ago I got a score of 659 from EX. With not much changing other than a 500 dollar increase on my ONE credit card I am to believe either the increase made my score jump that much or the first score wasn't right when I paid for the score. Either way I am happy with 736. Still confused on where I really stand with EX
Thankyou for all the replies. I had gotten the report for EX from this site it said 659 so I guess that was FICO not FAKO and I know us bank got a FICO of 736 straight from EX. So I am still confused but happy that the score has gone up for what ever reason. AND yes I will go back to life as usual....lol. I don't sweat the credit score too much. I've been much higher in the past and it didn't really change my life all that much. I just want to rebuild since I'm on my own and NO ONE can mess with my score again! My main goal has been 700 up to now and the new one is 750 in a year or two. The divorce and bankruptcy are a distant memory ..........l;ol
As and end to this today, again thankyour for the replies........AND Kcee has come up with a solution. I am going to take ALL the damn numbers, add em up, and come up with......MY OWN AVERAGE...... and it is.........710! Good enough for me, at least for a while. Goal is still 750, or 60 ..... Have a great week!
@kcee wrote:Thankyou for all the replies. I had gotten the report for EX from this site it said 659 so I guess that was FICO not FAKO and I know us bank got a FICO of 736 straight from EX. So I am still confused but happy that the score has gone up for what ever reason. AND yes I will go back to life as usual....lol. I don't sweat the credit score too much. I've been much higher in the past and it didn't really change my life all that much. I just want to rebuild since I'm on my own and NO ONE can mess with my score again! My main goal has been 700 up to now and the new one is 750 in a year or two. The divorce and bankruptcy are a distant memory ..........l;ol
Unless it's changed very recently, you can't get a true FICO score from EX: it should be ignored.
In this case the EX v3 classic score you obtained is absolutely legit. No need to average in this case since the EX-provided one is junk and you're doing fine score wise!
