freecreditreport.com and EX score? Question please help

[pritchardhallhokie]

So, I know that freecreditreport.com doesn't actually give you a FICO score... I realize that.  BUT here's the perdicament:

I pulled my myfico scores both EQ and TU this week (twice, lol I had a jump and I couldn't wait to see it .  I'm sitting at 626 EQ and 609 TU with a major baddie on it that's gonna be paid this week (Public record for tax lien). 

Again, I KNOW that freecreditreport.com doesn't give you actual FICO scores BUT the freecreditreport doesn't show the public record reporting.  In fact, it says I have no public records.  My freecreditreport.com score is a 640 for EX with no public record.  Is this accurate at all?

THANKS!!!!!!

[llecs]

Ignore FCR's score. They use a totally different scale and a totally different formula than FICO. In fact, on a PLUS, you can actually lose points if you remove a collection as CAs are factored into their history. Inquiries hurt for 2 full years vs. FICO's one. AND their scores don't update in real time (not always).

I know it drives you nuts not knowing....it does for many of us. I'm still trying to figure out how to join PSECU so I can get an EX FICO.

BTW, as a FCR subscriber, you can get a free EX report directly from Experian. You may want to double check their reporting to confirm that it is off (I'm sure it is).

[pritchardhallhokie]

Wait, as a freecreditreport.com member I can order my ACTUAL LEGIT EX score?  And it's the real one?  Is it done online and viewable online?  Do you know how I do it?

THANKS!!!!

[llecs]

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@pritchardhallhokie wrote:

Wait, as a freecreditreport.com member I can order my ACTUAL LEGIT EX score?  And it's the real one?  Is it done online and viewable online?  Do you know how I do it? 

THANKS!!!!

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No! Report, not score. You get an actual report directly from EX. Don't buy any scores from there.

[pritchardhallhokie]

Ahhh, yes.  Ok, I almost fainted just now. 

BUT Chances are, what I'm seeing on FCR.com is what's on EX for the most part, i.e. the public record not reporting, etc.

I think FCR.com scores are usually lower than real FICOs if I'm not mistaken, is that the general rule?

THANKS!!!!

[BrandonSS]

odd, I've been subscribing to freecreditscore.com since March and my Public record shows.  It says I dont have one in the last 2 years which is accurate (mine is 4-5 years old), but it does show up on my report tab. 

[pritchardhallhokie]

I'm referring to Freecreditreport.com not freecreditscore.com

Does freecreditscore.com give you EX ?  Obviously FAKO...

I'm assuming freeCREDITREPORT.com gives a FAKO for EX?  And if so, how far is the FAKO usually off?

THANKS!!

[BrandonSS]

ah ok, yes freecreditscore is Experian.  No clue on how far off it is considering I've never seen my true EX FICO.

[llecs]

IME, when we could pull our EX FICO from here (ahhh....the good old days), and when I pulled my EX PLUS FAKO at the same time, FICO was more responsive to util chnages and baddie removals than the PLUS. Plus, the PLUS didn't factor in stuff like a FICO. Sometimes my EX FICO would increase and EX PLUS FAKO decrease for the same event or vice-versa. I clearly remember losing points on my EX PLUS FAKO (8 point loss) when a CA dropped. My EX FICO increased 58.  The PLUS factors in stuff that FICO doesn't and vice-versa. Gosh, you can compare your EQ and TU FICO to your EQ and TU PLUS FAKO now and see those differences quite clearly. I forgot who it was, but someone said that if your FAKO is ###, then assume your corresponding FICO would be between 300-850.

[Anonymous]

Since no one seems to have brought it up yet, you can get one or all three reports for free without a credit card at annualcreditreport.com once a year - you can decide if you want to do all three or just one at a time periodically through the year.