EXPERIAN FICO SCORES

[nathan]

Now that you can't get your experian fico score here, can you see it if you buy it through the equifax website? The equifax website claims you can buy 3-1 reports with fico scores, any body tried this after the exp fico freeze?

[fused]

No! The EQ 3-in-1 only gives you a FICO EQ score and two FAKO score for EX and TU. The only way you can know your FICO EX score is if you app and a lender who uses FICO scores shares it with you.

[Donks3369]

Nathan,

There is no place to get your Experian credit score.  The only way to get the actual FICO score is to apply with a lender that pulls Experian and hope they share it with you.

[Donks3369]

Fused,

You beat me again.  Forgot to hit post.  As always, excellent information.

[nathan]

Thanks folks. Every day, i have a reason to hate exp. Ca loves exp because they never verify a debt.

[nathan]

you guys just saved me $40. i almost bought it, but decided at the last minute to check here first. Thanks a lot. I  would have been pissed as hell.

[Thunderseven]

Fused,

Question - If you're in good with a particular lender and they're willing to work with you, can they pull a EX FICO with a soft pull, or can they only get EX FICO score with hard pulls?

[fused]

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Thunderseven wrote:

Fused,

Question - If you're in good with a particular lender and they're willing to work with you, can they pull a EX FICO with a soft pull, or can they only get EX FICO score with hard pulls?

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I'm not 100% sure on this, so let me do some digging and get back with you.

[smallfry]

They can see a score with a soft pull. BofA does it all the time.

[haulingthescoreup]

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smallfry wrote:
They can see a score with a soft pull. BofA does it all the time.

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But do we know this for sure? I've never known for sure if they're seeing a FICO score or just the updated report.