Experian FICO Score

[blaksun333]

How can I get an Experian FICO score?

[JagerBombs89]

Your answer is found here:

http://ficoforums.myfico.com/t5/Experian-has-stopped-offering/IMPORTANT-ANNOUNCEMENT-The-sale-of-Exp...

[Jazzzy]

You can get it from your loan officer if you get a mortgage.

You can get it by being a member of a credit union in PA with strict membership criteria.

You can't buy one anywhere.

Very frustrating, yes.

[MarineVietVet]

I found out mine when I got a car loan last year.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

[Anonymous]

You can get it from score watch programs in partnership with Experian. You can't get it directly. Discover has one available through their Credit ScoreTracker program.

[RobertEG]

I do not bemoan the loss of consumer availability of Exp score from myFico.

Credit scoring is the cart after the horse.  The credit report is the horse, and the credit score is just the result of what the cart does in reaction to the horse.

If your Exp credit report corresponds in all important details with your EQ or TU credit report, then your Exp score wont vary by more than about 20 points, plus or minus.

So you first want an equal horse drawing your cart with each CRA FICO score.

Each CRA, even though they generate and report a true "FICO score," has commissioned with Fair Isaac for a different cart behind their horse.

Each CRA has a separate scoring algorithm for interpretation of the current status of reaction of their "cart" to their "horse" data.

That cannot be denied.  So they have their own cart, and own horse.  YOu will never get all three to have the same horse and cart.

So even if your credit reports from each CRA are identical, they are pulling differerent carts.

All I can control is the horse, not the cart.

[MarineVietVet]

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@Anonymous wrote:

You can get it from score watch programs in partnership with Experian. You can't get it directly. Discover has one available through their Credit ScoreTracker program.

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Both these programs offer Experian Plus scores not FICO scores. No where on either site will you see "FICO" credit scores being offered.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

[Anonymous]

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@MarineVietVet wrote:

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@Anonymous wrote:

You can get it from score watch programs in partnership with Experian. You can't get it directly. Discover has one available through their Credit ScoreTracker program.

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Both these programs offer Experian Plus scores not FICO scores. No where on either site will you see "FICO" credit scores being offered.

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Deceptive. I took a look at how they worded it and they just say "score". They never specified what kind and probably won't mention it unless you take a look at the fine print. Thank you. (^^)

[smallfry]

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@MarineVietVet wrote:

I found out mine when I got a car loan last year.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

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That was likely an auto enhanced Experian FICO. Do you recall the number?

[MarineVietVet]

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@smallfry wrote:

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@MarineVietVet wrote:

I found out mine when I got a car loan last year.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

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That was likely an auto enhanced Experian FICO. Do you recall the number?

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It was 802 at my CU. I was curious whether it was in fact an auto enhanced score and asked the lady who helped me with the loan. She said it was a regular Experian score and not an auto enhanced acore.