Experian Scores, is there a Fico?

Cali_Credit · ‎04-10-2013

My Experian scores are all over the place...

CreditReport.com (727)

FreeScore Monthly (668)

Credit Sesame (698)

Prosper(638) The worst of all

Same day pulls!!! who is the most accurate? No Baddies left, 19% UTI, BK from 2005!! Is there anyone who can paint a close figure to a fico? I'm in the garden till 2014 when i purchase a house(Jan or Feb)

myjourney · ‎04-10-2013

FAKO score you can't get a consumer purchased EX score sorry

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

zyzzus · ‎04-10-2013

@IECredit wrote:
My Experian scores are all over the place...

CreditReport.com (727)
FreeScore Monthly (668)
Credit Sesame (698)
Prosper(638) The worst of all

Same day pulls!!! who is the most accurate? No Baddies left, 19% UTI, BK from 2005!! Is there anyone who can paint a close figure to a fico? I'm in the garden till 2014 when i purchase a house(Jan or Feb)

https://www.psecu.com/fico/

pescu offers free fico for experian

Anonymous · ‎04-10-2013

You could always ap for a mortage/car loan and request to know what EX FICO score your lender recieved (assuming they pulled EX).

09Lexie · ‎04-10-2013

@zyzzus

Have to be a member for FICO

Closing Credit Cards

The Definitive Amex 3X CLI Guide

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zyzzus · ‎04-10-2013

@09Lexie wrote:
@zyzzus

Have to be a member for FICO

I was aware.

I am currently planning on what to app for and who to join with and I had literally just looked at this CU debating on if it was worth it for me or not just for the free EX fico

Cali_Credit · ‎04-10-2013

Does PSECU pull Ex for membership? and is it a double pull to apply for a membership and a Credit Card? Maybe Next year ill join them =)

Anonymous · ‎04-10-2013

If you don't want a Hard Pull,

I'd say $20/ membership is WORTH the elusive Experian FICO score

Anonymous · ‎04-10-2013

Not worth a hard pull to find out, IMO. I'd go with the assumption that the lower of your TU & EQ scores is what you're looking at.

However, here's one workaround - if you have a CC that pulls Experian, and you ask for and are denied a CLI with a soft pull and they reject you based on score, they have to give you that score.

YMMV.

It's also my understanding that you can no longer join PSECU if you don't live in PA. Do you live in PA?

Anonymous · ‎04-10-2013

@Anonymous wrote:
Not worth a hard pull to find out, IMO. I'd go with the assumption that the lower of your TU & EQ scores is what you're looking at.

However, here's one workaround - if you have a CC that pulls Experian, and you ask for and are denied a CLI with a soft pull and they reject you based on score, they have to give you that score.

YMMV.

It's also my understanding that you can no longer join PSECU if you don't live in PA. Do you live in PA?

There's an option on the link that says if you're not a resident of PA you cant become a member for $20.