Annualcreditreport.com EX versus FICO EX

[Slab]

Which should be the most trustworthy, My FICO EX or Annualcreditreport.com EX? I realize this is a FICO forum but I have some concerns about the FICO Experian being sold here. I received my EX report from annualcreditreport.com and it has the same accounts that USAA Credit Monitoring, Credit Sesame and Credit.com has. Of course there is no score with the report however, my Credit Sesame is 829, Credit.com is 771, USAA Credit Monitoring is 772 and I received recently an AMEX BCE with a score of 784 with my card and it read, FICO Experian score. My FICO Experian that I bought from this site is 708 and the accounts in it look like my Equifax report from a year ago with 2 bad accounts that have since fallen off My FICO Equifax report. I love this forum and I trust My FICO Transunion and Equifax however, My FICO Experian which has not been sold to us until recently seems to not be up to snuff. Can someone shed some light on my concerns? I am not in any way trying to smear My FICO, just stating what I see. Thank you.

[Anonymous]

Are you talking about the reports or the scores?

Annualcreditreport.com reports would be the most accurate and detailed as they are directly from the CRAs.  Any 3rd party report, including myFICO, are formatted differently, are not as accurate or detailed.

If you are talking about scores, annualcreditreport.com is all FAKOs.  (EQ does have a FICO but is hard to find).

The scores from here are the real deal but each one is a different model/version.

[Slab]

Yes, I realize all of the EX scores that I have posted are so called FAKOs but the AMEX score states that it is a FICO. I live in TX so EX is not used much here. My annualcredit report.com shows me having a total of 3 accounts with 4 hard pulls, the last being when I applied for AMEX. My FICO EX shows that I have 16 accounts and zero hard pulls. It doesn't even have the AMEX pull which was a hard pull. The My Fico score which I purchased on this site also shows 2 bad debts that have fallen off my EQ and TU. So, my delima is, how would I dispute the 2 baddies on My FICO EX when my annualcredit report.com EX does not show them. Is there more than one version of My FICO scores? I have pulled My Fico scores from this site 79 times in the last 3 years. I do know that the FAKO reports and scores are for educational purposes and I treat them as such. That being said, the FICO EX score that AMEX pulled is nowhere in the ballpark of the My FICO score that is sold here. I know that My FICO EX score has not been for sale on this site until recently and I have paid $19.95 plus tax 3 times in the last 6 weeks. As I previously stated, I have nothing but good things to say about My FICO when it comes to my EQ and TU credit scores and reports but the My FICO scores and reports have me stumped. One of my concerns is that when I am eligible to request the 3X CLI from AMEX that it will be based on the version that they pulled when they approved my application. Thank you for the response and hopefully I have clarrified to you what my concerns are. You folks have been very generous with your credit wisdom and I have tremendous respect for that widom. hopefully you can steer me in the right direction. I also subscribe to Equifax complete priemer which I know is also educational but it is in line with my FICO EQ report with a 17 point variance at this time but the report is exactly what is shown on My FICO EQ report and scores. I spend a lot of money on various monitoring services so that I can keep a handle on what is happening in my credit world. I am 63 years old and have been through the ups and downs over the years and I am too old to mess my credit up again. 

[thom02099]

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@Slab wrote:

Which should be the most trustworthy, My FICO EX or Annualcreditreport.com EX? I realize this is a FICO forum but I have some concerns about the FICO Experian being sold here. I received my EX report from annualcreditreport.com and it has the same accounts that USAA Credit Monitoring, Credit Sesame and Credit.com has. Of course there is no score with the report however, my Credit Sesame is 829, Credit.com is 771, USAA Credit Monitoring is 772 and I received recently an AMEX BCE with a score of 784 with my card and it read, FICO Experian score. My FICO Experian that I bought from this site is 708 and the accounts in it look like my Equifax report from a year ago with 2 bad accounts that have since fallen off My FICO Equifax report. I love this forum and I trust My FICO Transunion and Equifax however, My FICO Experian which has not been sold to us until recently seems to not be up to snuff. Can someone shed some light on my concerns? I am not in any way trying to smear My FICO, just stating what I see. Thank you.

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AMEX is now using EX08.  That's the most recent version, and the one available here.  While other lenders may be using EX04, and it is more common, that will likely change.  

I know this because AMEX declined me on a CLI on my Clear card (too many inquiries on EX report).  In the decline letter, they provided the EX score used, which matched my EX score from here. 

[pizzadude]

Moving to Understanding FICO scoring.

[Slab]

Okay, so what version of Experian does annualcreditreport.com use? My annualcreditreport.com is nothing like the FICO EX sold here. 

[pizzadude]

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@Slab wrote:

Okay, so what version of Experian does annualcreditreport.com use? My annualcreditreport.com is nothing like the FICO EX sold here. 

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It's a FAKO score, not a FICO score.   You can't correlate it to FICO.

[Slab]

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@pizzadude wrote:

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@Slab wrote:

Okay, so what version of Experian does annualcreditreport.com use? My annualcreditreport.com is nothing like the FICO EX sold here. 

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It's a FAKO score, not a FICO score.   You can't correlate it to FICO.

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I'm not as concerned as much about scores as I am about the report. My Experian credit report by annualcreditreport.com is nothing similar to my Experian credit report by My FICO that I pulled from this site. Politics and the disdain that many have for our government aside, shouldn't the annual credit report be more accurate than the FICO report? As things stand now, I am unable to dispute the negative items on my FICO report from Experian because those items are not on my Experian report from annualcreditreport.com. Since this forum is sponsored or related to My FICO am I getting advice skewed in My FICOs favor? It is not my goal to smear My FICO in comparing these two reports. Shoot, I have invested and trusted My FICO to the tune of about $1600 in the last 3 years. Maybe I am not making myself clear and if I'm not I would love to PM with someone about this. If we could talk on the phone for a few minutes, that would be great. Thanks everyone.

[thom02099]

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@Slab wrote:

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@pizzadude wrote:

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@Slab wrote:

Okay, so what version of Experian does annualcreditreport.com use? My annualcreditreport.com is nothing like the FICO EX sold here. 

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It's a FAKO score, not a FICO score.   You can't correlate it to FICO.

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I'm not as concerned as much about scores as I am about the report. My Experian credit report by annualcreditreport.com is nothing similar to my Experian credit report by My FICO that I pulled from this site. Politics and the disdain that many have for our government aside,(not sure what this has to do with it) shouldn't the annual credit report be more accurate than the FICO report? As things stand now, I am unable to dispute the negative items on my FICO report from Experian because those items are not on my Experian report from annualcreditreport.com (Of course you can dispute them, why would you not be able to?  Just go to the Experian website at this link    https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIRESELLER&rid=R045    to dispute what is actually on the Experian report.        . Since this forum is sponsored or related to My FICO am I getting advice skewed in My FICOs favor? NO It is not my goal to smear My FICO in comparing these two reports. Shoot, I have invested and trust My FICO to the tune of about $1600 in the last 3 years. Maybe I am not making myself clear and if I'm not I would love to PM with someone about this. If we could talk on the phone for a few minutes, that would be great. Thanks everyone.

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Keep in mind that annualcreditreport.com is a snapshot of your Experian report ONCE A YEAR at a particular point in time.  It's not going to change until 12 months is up and you look at it again.  Your Experian report from here, also a snatpshot of your report, is for that particular moment in time when you request it, which may be a different date/time, unless you did both reports exactly at the same time/date. You can of course request multiple EX reports and they will likely change from one report to another.  And even then, there's the different scoring models being used.  EX08 is the model used here, the latest and greatest version.  annualcreditreport.com may be using the EX04 version,(for the report only-score is a FAKO)  which is far more common.  And there will be differences. 

EDIT:  Guinness56 is absolutely CORRECT below!  I re-read this originally for grammar, not so much for content.  Key words "free report" were left off my sentence, which is what I was trying to say, one gets a free report ONCE A YEAR.  Of course, the reports change!  One can pay for them and get them as frequently as one may want.

[Slab]

Nothing was posted thom02099. Sorry, I jumped the gun.