Experian Plus Score?

[Anonymous]

My scores are all low 600's . Very weirded out when experian told me my score of 717. (Experian plus)

FaKKO or what?

[llecs]

FAKO. Here's a snippet from their T&C:

The PLUS Score, with scores ranging from 330 to 830, is a user-friendly credit score model developed by Experian to help you see and understand how lenders view your credit worthiness. It is not used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

[Anonymous]

Thanks llecs!

[Swapmeet]

My plus scores from USAA are actually lower than my fico scores... Surprisingly enough on the plus score, experian, who runs it, comes in at the highest score. But that score is 16 points less than my eq fico score. And I haven't bought an actual TU fico since last month, though I am quite confident that my score went up significantly due to TU fixing 6 student loans that they changed the status from 120+ collections to pays as agreed/ never late. But I don't want to fork out the 20 bucks quite yet for an updated TU fico. Are there any free TU FAKO sites that I can compare to my plus FAKO in the meanwhile?

[Anonymous]

Your plus scores are lower than the FICO score? Wow i havent checked myFico score yet but thats crazy because my scores are low to mid 600's and my experian plus score is 717! weird...

But I have used CreditKarma.com to monitor and fix my credit. They do a great job of showing you the TU fako and it is pretty darn accurate. I certainly would recommend!

[Anonymous]

I acutally still us CreditKarma daily! It has introduced to me to cards that fit my credit score! I recommend it

[Swapmeet]

Have you applied/been approved for the suggested cards?

[Anonymous]

Yes I have. All the cards I have now have been recommended through credit karma and reading user reviews on the cards. Alot of users will post wether or not they were accepted or declined and what score they had. I highly recommend. Plus you can update your score and report every 24 hrs with a soft pull