Experian score

[llecs]

---

@rayandsuebrown wrote:

I also use Quizzle. Whose delt with them or heard the accurancy in it?

---

It's inaccurate compared to a FICO score, from what I recall when we could pull our EX FICO from here. Seems like mine was 40-50 points off. Quizzle uses a FAKO called a "CE Score".

[Imua]

---

@MarineVietVet wrote:

---

@rayandsuebrown wrote:

Experian sells Vantage scores, how good are those?

---

They are useless. Besides VS using a different scoring formula than FICO the score ranges are not the same. VS ranges from 501-990 while FICO ranges from 300-850.

BTW EX also sells "Plus" scores which are just as worthless.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

---

 i went to the annual credit report website yesterday to pull my annual 3 free CRs, and noticed when printing my EX report that they "offered" an EX  "credit score" (for only $7.95!). THANKS to reading here at myFICO, i knew that i would have gotten the EX vantage score and not a FICO score...saved myself some $$$    

[MarineVietVet]

---

Imua wrote:

 i went to the annual credit report website yesterday to pull my annual 3 free CRs, and noticed when printing my EX report that they "offered" an EX  "credit score" (for only $7.95!). THANKS to reading here at myFICO, i knew that i would have gotten the EX vantage score and not a FICO score...saved myself some $$$    

---

GOOD for you!!!

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[cashcardscore]

If you can get in with PSECU you will get your EX FICO every month around the 15th. Join the Pennsylvania Parks and Recreation program to get in.

[cinnamongirl]

Will joining Pennsylvania Recreation really qualify you for the Credit Union??

[MarineVietVet]

---

@cinnamongirl wrote:

Will joining Pennsylvania Recreation really qualify you for the Credit Union??

---

Welcome to the forums.

Here is the thread talking about how anyone can join PSECU now.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[JayRizzo]

Truth be told, all credit scoring models INCLUDING FICO is useless to the consumer.  This is purely for the purpose of the lenders.  These models are rigged with about 80+ negatives against consumers, but only about 8 positives.  If someone can prove me wrong, by all means list the negatives and positives side-by-side and see the wide margin between the two.  So it doesn't really make sense to spend money to see where you stand -- I wish someone WOULD've had the nerve to ask me to pay to view my GPA back in school... I would've drop-kicked them all back to kindergarten.  But, FICO and others are soliciting people to pay to see their "GPA".  Shaking My Head.

[Anonymous]

Isn't Fair Isaacs a private, for-profit corporation? I can see how public schools and government funded entities should give the people free access to GPA's (actually, you can calculate that on your own in about 1 minute), but why would you expect a company to give you the product of their information-gathering efforts for free?

Put another way, how much would you charge me if I asked you to go to all my lenders and get status updates, organize it, score it compared to 250million others, and then get it back to me in a timely fashion? If you say you wouldn't charge me a nickel, then I would say you have alot of free time on your hands.

[Anonymous]

that's a totally bunk argument... I never asked them to collect all that information -- the lenders did, and they already paid for that. so why should I have to pay to see why I'm blackballed and what moth-ridden errors they compiled.