Experian Pulls and Scoring System

[Anonymous]

Hello All --

Experian has most of my more troublesome accounts and I am cleaning them up.  My question is: if Experian no longer gives Fico scores, what  does this mean when most stores and banks still use EX??

I paid for my "vantage" score and it was 611.  I just had a deletion today and two more are coming.  That will leave me with 5 good accounts; 2 of which are revolving.  3 bad accounts, two of which will fall off as paid charge offs in the coming months and one installment account which I have latenesses (recent).

I'm concerned because I get a credit union account and securred credit card.  So, how to proceed once my CRAs are balanced out/corrected.  Thanks!

[haulingthescoreup]

What it means is that you will never know your EX FICO score, unless you app for a mortgage (they have to tell you then), or you belong to PSECU, a credit union in Pennsylvania with very tight membership requirements. But your lenders can (and do) see your EX FICO. Experian stopped selling them to consumers, not to lenders. And they're cleaning up nicely on those of us who go ahead and buy their Vantage or PLUS score and try to guess something from it.

If your Experian report pretty closely matches your TU or EQ report, you can guess/ hope that your EX score would match the other. I always found back in the day that my EX FICO was within maybe 8 points either way of my TU score. It was never close to my EQ score, as Equifax heavily penalizes lates. Which I have!