Experian Score

[sharpie]

I know that the EX FICO is not available except from a LO (or CU in PA, where I do not live).

But wondered if this would give me SOME idea:

Pull FAKO score for all three.  Compare TU and EQ to actual FICO and maybe the EX would be the same ratio?

Any thoughts?

[Scamp]

Unfortunately, FAKO scores likely don't bear any more relation to each other than FICO scores do, so that approach won't really work.

[Anonymous]

There is such a huge variance between each CRA and the way they devise their scores. 

And it is not just an LO that can pull your EX score, it is any creditor that uses EX.

I would not waste the money pulling FAKO scores. 

ETA:  What Scamp said.

Message Edited by guiness56 on 03-08-2010 07:32 AM

[Anonymous]

EX - 687

EQ - 648

somewhat of a difference

[chartley3]

There is a site run by quickenloans called quizzle.com which will actually give you a Experian Fico score and report. They also have a credit improving service that can help you get your score up within 4 months. I use it and its pretty helpful.

[llecs]

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chartley3 wrote:
There is a site run by quickenloans called quizzle.com which will actually give you a Experian Fico score and report. They also have a credit improving service that can help you get your score up within 4 months. I use it and its pretty helpful.

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Actually the score via Quizzle isn't a FICO score or even created by FICO. It is an Experian proprietary score called a "National Equivalency Credit Score". Your actual EX FICO could be higher or lower.

http://blog.quizzle.com/2008/03/quizzle-gets-a-brand-new-credit-score/

[MattH]

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@sharpie wrote:

I know that the EX FICO is not available except from a LO (or CU in PA, where I do not live).

But wondered if this would give me SOME idea:

Pull FAKO score for all three.  Compare TU and EQ to actual FICO and maybe the EX would be the same ratio?

Any thoughts?

---

A ouija board would be equally reliable.

[Anonymous]

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@sharpie wrote:

I know that the EX FICO is not available except from a LO (or CU in PA, where I do not live).

But wondered if this would give me SOME idea:

Pull FAKO score for all three.  Compare TU and EQ to actual FICO and maybe the EX would be the same ratio?

Any thoughts?

---

We were pulling FAKO's at the same time our mortgage FICO's were pulled, so we were able to test the relationships.

DH FICO's:  EQ 774, EX 690, TU 730

DH FAKOs: EQ 761, EX 762, TU 735

my FICO's:  EQ 708, EX 720, TU 730

my FAKOs: EQ 764, EX 679, TU 739

No patterns here! 

DH's highest FAKO is EX with 762; his lowest FICO is EX with 690.

Our FAKO EQ's are almost the same, our FICO EQ's are 66 points different - his is (a little) higher, mine is (a lot) lower.

My highest FAKO is EQ with 764; my lowest FICO is EQ - almost 60 points different

And on it goes.........

In addition, when our FAKO scores move up, down or stay the same, our FICO scores do not mirror, in any way, that score movement.

I have to say that the Experian scores were our biggest surprise when the FICO's came in.