Experian score accurate?

[Anonymous]

Hi, I have an MLife rewards card with FNBO and I was wondering how accurate the score would be that they pull for Experian. I have my scores through MyFico and there’s a 15pt difference. My score hasn’t seemed to move on MyFico for a few weeks and per FNBO they pulled 10 days ago on 3/10.

Thanks in advance!!

[SomewhereIn505]

For me, my EX score seems to update every 2 to 3 weeks.

Is quite frustrating because you'll see it on one site, but not updated on MF or EX website.

Hopefully it's higher and better rates for you!!!

[K-in-Boston]

According to the FAQ for their credit scores, FNBO uses the FICO 08 Bankcard Enhanced score which will often be higher or lower than a regular FICO 08 score.

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@Anonymous National Bank of Omaha wrote:
There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores most used by lenders, but different lenders may use different versions of the FICO® Score. For example, mortgage lenders and credit card lenders may use different types of FICO® Scores specific to their industry. The score available to you on our website is the FICO® Bankcard Score 8 , which is tailored for credit card lending, so it may be different from a FICO® Score you have seen elsewhere.

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