EXPERIAN is a joke

[Anonymous]

Your TU and EQ score you posted are your actual scores and not from Credit Karma right? Just doing due diligence. My CK scores are almost 60 points higher.

[Anonymous]

Yes my TU and EQ are from Credit Karma and EX is from their web site. I work in Home Lending division of a major US Bank and very familiar w how credit works. I see probably around 50-60 credit reports every month and I've been in this Industry for 20 years. For somebody to have (650 or 637- they lowered it last time I checked) you have to have recent late payments, judgements, collections or something like that. I have to find a way to pull Lender tri merged and have them dispute this with EX. Maybe Credit Karma is wrong?

Last year my EX was 602 while TU and EQ where 750+. I had some late payments in 2009, but perfect ever since. There is no negative reporting on my credit and lates from 2009 are not showing.

I filed a complaint with CFPB since you can't get anybody normal at EX.

[Anonymous]

I can't beleive some late payments (paid as agreed 0 balance) from 2009 are that bad, I have people 3 years after Bankruptcy applying for mortgages all day long. Again this is not showing on any if 3 reports....

[Anonymous]

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@Anonymous wrote:
Yes my TU and EQ are from Credit Karma and EX is from their web site. I work in Home Lending division of a major US Bank and very familiar w how credit works. I see probably around 50-60 credit reports every month and I've been in this Industry for 20 years. For somebody to have (650 or 637- they lowered it last time I checked) you have to have recent late payments, judgements, collections or something like that. I have to find a way to pull Lender tri merged and have them dispute this with EX. Maybe Credit Karma is wrong?

Last year my EX was 602 while TU and EQ where 750+. I had some late payments in 2009, but perfect ever since. There is no negative reporting on my credit and lates from 2009 are not showing.

I filed a complaint with CFPB since you can't get anybody normal at EX.

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Yes, CK is wrong. My actual scores are ~56 points lower than CK shows. The CK scores are what's reffered to around here as FAKO scorers since it uses CK's algorithms and not hte ones EX and TU themselves use. What's your average age of account if you don't mind me asking?

Edit: English is hard

[iv]

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@Anonymous wrote:
Yes my TU and EQ are from Credit Karma and EX is from their web site. I work in Home Lending division of a major US Bank and very familiar w how credit works. I see probably around 50-60 credit reports every month and I've been in this Industry for 20 years. For somebody to have (650 or 637- they lowered it last time I checked) you have to have recent late payments, judgements, collections or something like that. I have to find a way to pull Lender tri merged and have them dispute this with EX. Maybe Credit Karma is wrong?

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...you are aware that the TU and EQ scores that Credit Karma reports are VantageScore 3.0, and the EX score from Experian's own site is FICO 8, yes?  Totally different scoring models...

(And neither model is the same as the ones you're used to seeing on mortgage tri-merge reports...)

You could always do a one-time 3 Bureau Credit Report and FICO Scores here, and take a look at all (well, most) of your FICO score models across all three CRAs.  Then contrast that with the VS 3.0 scores from CK (TU/EQ) and Credit.com (EX), and you'll have a better handle on the variations in scoring models on the market.

[Anonymous]

Wow, thanks....

[SouthJamaica]

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@Anonymous wrote:
Yes my TU and EQ are from Credit Karma and EX is from their web site. I work in Home Lending division of a major US Bank and very familiar w how credit works. I see probably around 50-60 credit reports every month and I've been in this Industry for 20 years. For somebody to have (650 or 637- they lowered it last time I checked) you have to have recent late payments, judgements, collections or something like that. I have to find a way to pull Lender tri merged and have them dispute this with EX. Maybe Credit Karma is wrong?

Last year my EX was 602 while TU and EQ where 750+. I had some late payments in 2009, but perfect ever since. There is no negative reporting on my credit and lates from 2009 are not showing.

I filed a complaint with CFPB since you can't get anybody normal at EX.

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Credit Karma doesn't provide FICO scores, it provides Vantage 3.0 scores, which are completely different.

[Revelate]

Late to this but didn't see it mentioned:

You don't want both of your cards to report $0, always want at least one credit card to report at least ~$5 or so (to prevent some lenders from reporting it as zero), though it can be non-trivially higher that even on the smallest limit cards.

Also going forward, you generally want a minimum of three cards when talking FICO optimization, 5 may be somewhat better (EQ FICO 8 seems to not be happy at 1/3 cards reporting a balance in my experience) but you can see my scores in my signature, whereas my Vantage 3 scores peak out near 790 on EQ/EX; big difference.