EXPERIAN???

[Anonymous]

so i can get a real score from trans and equifax here at my fico but how will i ever know experien

 i need to get a mid-score of 640 for a loan

[MarineVietVet]

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@Anonymous wrote:

so i can get a real score from trans and equifax here at my fico but how will i ever know experien

 i need to get a mid-score of 640 for a loan

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Unfortunately your/our options for knowing your/our Experian score are very limited. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. I wish I knew of another way.

(myfico)
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".

[MattH]

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@Anonymous wrote:

so i can get a real score from trans and equifax here at my fico but how will i ever know experien

 i need to get a mid-score of 640 for a loan

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As Hauling said, there are very limited options to get your actual EX score unless you happen to work for the government in PA or happen to be an alum of certain

colleges there.  What you can do is make sure both your other two scores exceed 640, then you will know your mid-score does regardless of your EX score.  Maybe you can repost with your current scores and a summary of the factors making them what they are so people can advise on the best ways to get where you need to be.  Also do you know about the Simulator and the Estimator?  The Simulator works from one of your actual reports so it's a tab on a report you purchase here.   The Estimator is free and works off data you provide.  Both give ranges that are intentionally somewhat broad, partly due to the inherent complexity of modeling and partly I think because if they were too accurate they would make it easier for competitors to reverse-engineer their secret formula (though I would imagine any big lender could make a pretty good approximation by mining all the data they have).

I find both the Simulator and the Estimator useful.  The Simulator is more accurate because it starts from a full report, while the Estimator is more flexible

because I can try scenarios that are not possible with the Simulator.   Neither is nearly precise enough to estimate differences between one of your scores and another, of course!

Estimator

Note that the above link points at bankrate.com, a different site.  But does send you right back to myfico.com when you use that form.  There must exist some  sort of business relationship between myfico and bankrate (which by the way is an excellent site itself with lots of valuable content, well worth your time). Bankrate has many links to myfico, and at the top of the Products page on myfico the bankrate.com logo appears right next to the myfico logo.