Getting an Experian FICO score

[haulingthescoreup]

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O6 wrote:

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@haulingthescoreup wrote:
Well, you don't actually have to buy a house!!!

Although I don't know where the credit report pull first occurs in the mortgage process. I suppose if it's early enough (and then you skedaddle on out), you might not have paid any significant fees by then. Maybe this is something that is done when pre-qualifying? (= tire-kicking stage)

Believe it or not, when we found out that EX was removing the option to buy our own scores, we had people so hooked on knowing all three scores that they discussed apping a mortgage, just to find out. Don't know how many actually did so.

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But it sucks that to get your EX FICO this way it will cost you three hard INQs.

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Absolutely. I sure wouldn't do it. But you know how it goes, in the interest of chasing every bunny down every trail, I figured I'd bring it up.

That might be a nice sanity-check for those who are getting a bit obsessed with their scores. If you find yourself thinking about doing a mortgage pre-approval and taking three hits simply to know your scores, and you find your head nodding up and down, and you're thinking, "Yeah, that sounds reasonable," it might be time to push away from the FICO table and go jog around the block.

[llecs]

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haulingthescoreup wrote:
That might be a nice sanity-check for those who are getting a bit obsessed with their scores. If you find yourself thinking about doing a mortgage pre-approval and taking three hits simply to know your scores, and you find your head nodding up and down, and you're thinking, "Yeah, that sounds reasonable," it might be time to push away from the FICO table and go jog around the block.

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Are you saying that my 365 hard inquiries on EX are unreasonable?

[Jazzzy]

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@Anonymous wrote:
A creditor who pulls your scores are not obligated to pass that information on to you.  I have actually been told, by the creditor or course, that it is illegal for them to give it to you.

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We were told by a lender once that it is against the agreements that lenders have with the credit bureaus for them to tell us our scores (except in a mortgage). That, of course, is so that we will all scurry out and buy our scores ourselves. I think a lot of things get tagged as "illegal" when, in reality, they are simply against the agreement.

It's just like when a creditor tells you it's "illegal" for them to take a late payment off of your credit reports. Not so at all.