Experian Fico score...where do I get the real one?

[Anonymous]

Know I can get my "real" TU and EQ scores here, but where do I get the real Experian score.  Tried the experian site and ended up with a Vantage Score (fako I presumed).  It was very very high compared to my FICO!  Thx

[MarineVietVet]

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@Anonymous wrote:

Know I can get my "real" TU and EQ scores here, but where do I get the real Experian score.  Tried the experian site and ended up with a Vantage Score (fako I presumed).  It was very very high compared to my FICO!  Thx

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No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[JasonBourneOfCredit]

Freecreditreport.com uses Experian, but its a FAKO.

However, how far off is their FAKO to the FICO?

[haulingthescoreup]

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@JasonBourneOfCredit wrote:

Freecreditreport.com uses Experian, but its a FAKO.

However, how far off is their FAKO to the FICO?

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It varies for everyone. Could be a little or a lot higher, could be a little or a lot lower, no telling.

It's on a different score range from FICO, and it's derived from a different score formula from FICO's, so you just can't subtract 32 and multiply by 5/9.

[GregB]

Experian Plus Score is usually equal to Experian FICO plus or minus 100 points. People find them that far off in EITHER direction. The Experian Vantage Score is usually way higher so best guess is plus 200 or minus 0. If you want to compare the letter grades then they are usually within two groups. It is easy to have a "C" in one and an "A" in the other, or "good" in one could be "very good" or "excellent" in the other. That is exactly where mine is right now: good in one and excellent in the other.

Hard to imagine how it could be much more useless since FICO is what almost all lenders use.

ETA: OK, Hauling won the "typing contest" this time

[Dee2]

Equifax offers the 3-in-One credit score for EQ, EX and TU.  They say you can access all three scores from all three burroughs.  Has anyone had any experience with it?  More importantly does anyone know if the score that is offered for Experian is the real deal?

Not to hijack the thread, but if someone has experience with Equifax's credit reports it might provide an answer to your question.

Thanks

~Dee

[Lel]

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@Dee2 wrote:

Equifax offers the 3-in-One credit score for EQ, EX and TU.  They say you can access all three scores from all three burroughs.  Has anyone had any experience with it?  More importantly does anyone know if the score that is offered for Experian is the real deal?

Not to hijack the thread, but if someone has experience with Equifax's credit reports it might provide an answer to your question.

Thanks

~Dee

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The Experian score through this service is NOT a FICO score.

[GregB]

NONE of the three scores through this service are FICO scores.

[Anonymous]

Funny thing is that when I went  to Experian site  (vantage score/fako) my score was 760...but when I went to Quizzle.com, my current Experian score was 670.  That seems much more in line with my EQ 689 & TU 708 fico scores. 

[happy0510]

Isn't Alliant a real EX FICO?