Alliant Credit Union - Experian Fico

[Anonymous]

Hello Everyone,

I wanted to know how accurate is ALLIANT'S Experian Fico Score?  Is it the real deal?  Or is it a Fako?

Thank you

Kris

[Anonymous]

It is a Fico NextGen score. A Fico scoring model that was released a few years ago, but not one that is used by very many lenders ...

[Anonymous]

Hi,

See the problem is it's a really low score compared to my others TU, EQ - and all the same info is being reported by all 3 agencys.....should i iqnore this?  now im afraid my home loan will be in jeap...

Ty,

K

[Anonymous]

Does Alliant pull all 3, or just Experian?

Thx,

D-R

[llecs]

OP, I would ignore your EX score and focus on getting TU and EQ as high as possible before app time. When you've hit your goal, it wouldn't matter what EX is because your mid-score would be one of the two.

[Anonymous]

Hello,

Okay COOL !  Thank you !!!!!

K

[Anonymous]

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@Anonymous wrote:

Does Alliant pull all 3, or just Experian?

Thx,

D-R

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I would like to know, too.

I find it interesting that Alliant pulls EQ exclusively for their savings/checking/Visa products; yet offers a version of EX scores for their customers.

Who do they pull for mortgages?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Does Alliant pull all 3, or just Experian?

Thx,

D-R

---

I would like to know, too.

I find it interesting that Alliant pulls EQ exclusively for their savings/checking/Visa products; yet offers a version of EX scores for their customers.

Who do they pull for mortgages?

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All three reports are pulled for a mortgage. Alliant doesn't do their own mortgage processing. It is outsourced and I have read of terrible experiences. 

[Anonymous]

RE:  All three reports are pulled for a mortgage. Alliant doesn't do their own mortgage processing. It is outsourced and I have read of terrible experiences. 

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Thanks Hobojon - that's extremely useful to hear.  So, I'm assuming HELOC is in the same category as the Visa & car loans as far as pulling EQ only and processing in-house???  I'm assuming that because they were all offered when DH signed up with Alliant.

[Anonymous]

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@Anonymous wrote:

RE:  All three reports are pulled for a mortgage. Alliant doesn't do their own mortgage processing. It is outsourced and I have read of terrible experiences. 

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Thanks Hobojon - that's extremely useful to hear.  So, I'm assuming HELOC is in the same category as the Visa & car loans as far as pulling EQ only and processing in-house???  I'm assuming that because they were all offered when DH signed up with Alliant.

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No, Both myself and a friend of mine accepted the Heloc offer along with the CC offer in the initial preapproval process. We both received the CC but never heard anything about the Heloc we were supposedly preapproved for. After waiting forever and inquiring via email about the Heloc and not getting a response I called them and they told me that like their mortgages, they are outsourced and they would be prcoessed independently of Alliant. Who that company is I never found out. I went through somebody else.