Equifax, TransUnion, and Experian

[rjd78]

I'm new and pretty ignorant to all this, but I had a lender pull my scores about 6 weeks ago.  My TU score was 602 and my EQ score was 641.  However, she said I had no EX score.  I'm now realizing that I, personally, cannot view my EX FICO score to check up on it.  But I found it odd that I had no score whatsoever.  Furthermore, the bank takes all three scores and uses the middle one for lending purposes.  Since I had no EX score, they used the lowest one of the two (the TU score of 602).  Thus, I didn't get the loan.

Since that time, my EQ score has gone up to 667 (I haven't bothered to check my TU score) because I corrected an error on my report.  My question is, is there any way of estimating my EX score?  I had a 628 "Plus" score from Experian, if that makes any difference (probably not).

[RobertEG]

There is no way to calculate a FICO score from a non-FICO score.  Entirely different scoring algorithms are used.

All scoring algorithms are closely guarded trade secrets, so there is no way to know exactly how each algorithm generates its score.

[Anonymous]

There seems to be no rhyme of reason to FICO scoring sometimes.  I bought my credit reports today:

TU  764 (FICO)

EQ  739 (FICO)

EX  795 (Plus Score)

Now, I know the Plus score is useless, but I purchase the Experian report just to be sure all the reporting is accurate.

What I don't understand is why my EQ score is so far below my TU score even though the balances on my EQ report are slightly better.  I am thinking about refinancing my home loan which is currently at 6.0%.  That was considered decent three years ago when I bought my house.  Do lenders typically pull all three scores?

[fused]

Mortgage lenders will pull all three reports and scores. This is one way you will know what your EX FICO score is.

[AndySoCal]

Here is the criteria needed to get a FICO score:

1) An account for at least 6 months and reported / activity in the last six months

2) The account can not be in dispute.

Your lender should be able to provide you a consumer copy of the credit report that was pulled. From the discreption given there were no accounts that met the above criteria. The "plus score" does not use the criteria above.  Look at the credit report you pulled from Experian and see if there are any accounts that meet that criteria. If so compare that to the lenders credit report and you should have an idea as to where the problem exists.  Call Experian and explain the problem and see what they can do.