Experian Credit Report Format?

Leadberry · ‎02-08-2013

Does anyone know where I can order a full Experian credit report a la the ones you get under the FACT Act? I ordered a credit report directly from Experian online and it's the exact same report I see with USAA CMS. It's missing key information, and is formatted oddly. I called Experian, and the rep, who didn't seem very knowledgeable, insisted this was their "new" format.

FICO Scores 800+

StartingOver10 · ‎02-08-2013

I just went though that with Experian a couple of weeks ago. I went to www.annualcreditreport.com to get the report AND i spoke to an Experian rep and had them snail mail a copy to me. Those reps aren't very knowledgeable at all from what I can tell.

Anonymous · ‎02-09-2013

I don't know which format you are looking for, but I recently got my report from www.annualcreditreport.com. The report seems to have all relevant information in it.

whatamess · ‎02-09-2013

It's all hard to understand... I applied for a credit card from the FICO website that was supposed to be for folks with scores in the range of 650-720 or something like that. My Equifax FICO score was 667 (now 677) at the time, But I got denied because the score they pulled was a 645 with a recent collection from Equifax. So I pulled my Equifax score from the Equifax website using the link provided by myFICO, and It's showing a score of 736 with that same $35.00 medical collection on there. And now I'm convinced! There is no way to the secret formula!. AHHHH HA HA HA HA HA HA HA HAAAAAAAAAAAAAA! My advice is, get your scores as high as possible.. Then there won't be any doubts about qualifications.

Handle ya bidness, It pays!

Anonymous · ‎02-09-2013

@whatamess wrote:
It's all hard to understand... I applied for a credit card from the FICO website that was supposed to be for folks with scores in the range of 650-720 or something like that. My Equifax FICO score was 667 (now 677) at the time, But I got denied because the score they pulled was a 645 with a recent collection from Equifax. So I pulled my Equifax score from the Equifax website using the link provided by myFICO, and It's showing a score of 736 with that same $35.00 medical collection on there. And now I'm convinced! There is no way to the secret formula!. AHHHH HA HA HA HA HA HA HA HAAAAAAAAAAAAAA! My advice is, get your scores as high as possible.. Then there won't be any doubts about qualifications.

But, is it the EQ FICO or EQs own score?

whatamess · ‎02-10-2013

The 677 is EQ FICO... The 736 is Equifax's own score. I only checked into it because chase said my EQ score was 645..

Handle ya bidness, It pays!

Anonymous · ‎02-11-2013

You need to read the letter from Chase very carefully to ensure that the score they are providing in their denial is a FICO. If it does say FICO it could be one of the industry specific variations (for credit cards) that are unavailable for consumer purchase. Or it could be that Chase took the FICO report and ran it through their own overlay to generate a credit score that is for their own determination.

As you said, the best thing you can do is simply practice the behaviors that we know lead to higher scores (Pay on time, keep utilization low). There is no exact predictor for how any lenders approval / denial criteria will work. All we have is generalizations based on members reported experiences. But if the Chase computer is having a bad day then you may get rejected anyway. Since your score is close to the assumed approval criteria you may want to phone in to Chase for a reconsideration by a human or at least to get some information on what they need to see different for an approval.