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Experian?

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jackg
Established Contributor

Experian?

I filed Ch 7 back in May 2006 and as of yesterday all but 2 accounts IIB have been deleted & those 2 will be gone next month. My question is about what people are doing to get a report from Experian these days, since they stopped using FICO's formula scoring, & is there a way to get a score that creditors use when using EX as their source for checking someone's credit?

FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
Message 1 of 5
4 REPLIES 4
guiness56
Epic Contributor

Re: Experian?

You can still get a report from EX just not their FICO score.  The only way to get an EX score is through a lender/creditor.  A CU in PA uses the score and if you are a member can obtain it from them.

Message 2 of 5
Shogun
Moderator Emeritus

Re: Experian?


@jackg wrote:

I filed Ch 7 back in May 2006 and as of yesterday all but 2 accounts IIB have been deleted & those 2 will be gone next month. My question is about what people are doing to get a report from Experian these days, since they stopped using FICO's formula scoring, & is there a way to get a score that creditors use when using EX as their source for checking someone's credit?


EXperian still uses FICO scoring.  It's just that on Feb. 14th 2009 they stopped allowing that score to be sold to consumers.  Only creditors can pull your EX FICO scores.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 5
jackg
Established Contributor

Re: Experian?

Re: Experian?[ New ]

You can still get a report from EX just not their FICO score.  The only way to get an EX score is through a lender/creditor.  A CU in PA uses the score and if you are a member can obtain it from them.

 

 

 

Which CU?

FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
Message 4 of 5
Shogun
Moderator Emeritus

Re: Experian?

PSECU.   But you have to be a permanant residence of Pennsylvania.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 5
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