MyFico products.... no Experian?

[CreditScoreFail]

I have looked at the Scores and Credit reports ordering page but none of them offer your experian report, why?

[MarineVietVet]

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@CreditScoreFail wrote:

I have looked at the Scores and Credit reports ordering page but none of them offer your experian report, why?

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No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

This is the same time myFICO also stopped offering Experian credit reports.

Here is a thread talking about this: http://ficoforums.myfico.com/t5/Experian-has-stopped-offering/IMPORTANT-ANNOUNCEMENT-The-sale-of-Exp....

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[haulingthescoreup]

Because Experian decided last year to stop allowing consumers to buy our own EX FICO scores. The exact date was 2/13/2009.

And no, they don't sell them on their own site, either. But they seem to have a nice income stream from their FAKO scores that they sell to those who don't know the difference.

eta: MVV out-typed me, and much more diplomatically!

[MarineVietVet]

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@haulingthescoreup wrote:

Because Experian decided last year to stop allowing consumers to buy our own EX FICO scores. The exact date was 2/13/2009.

And no, they don't sell them on their own site, either. But they seem to have a nice income stream from their FAKO scores that they sell to those who don't know the difference.

eta: MVV out-typed me, and much more diplomatically!

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I think it comes down to the fact that I can't think of much cute to say. 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[CreditScoreFail]

What the! Seriously?

I don't know the accuracy of Quizzle but they give you your report and score. Is Exerpian available through ACR still? I'm most concerned about what is on the report not just the score. That doesn't even make sense why they would no longer allow us to view OUR reports.

What are we supposed to do now to monitor ourselves?

[MarineVietVet]

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@CreditScoreFail wrote:

What the! Seriously?

I don't know the accuracy of Quizzle but they give you your report and score. Is Exerpian available through ACR still? I'm most concerned about what is on the report not just the score. That doesn't even make sense why they would no longer allow us to view OUR reports.

What are we supposed to do now to monitor ourselves?

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You can get Experian reports lots of places but not the scores. The report you get at Quizzle is accurate but not the score.

You can always get your annual free reports at annualcreditreport.com.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[CreditScoreFail]

Well I checked experian.com and they're offering a report and score for $1 as a limited time offer.

*shrug*

[MarineVietVet]

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@CreditScoreFail wrote:

Well I checked experian.com and they're offering a report and score for $1 as a limited time offer.

*shrug*

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That's an EX "Plus" score not an EX FICO score.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[CreditScoreFail]

Oh. Well what's the difference then? I mean it's still a score straight from the source, right?

[MarineVietVet]

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@CreditScoreFail wrote:

Oh. Well what's the difference then? I mean it's still a score straight from the source, right?

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It's derived from a completely different formula from a FICO score, including a different score range. Since the majority of lenders use a FICO score that makes a Plus score pretty much useless. There is no way to compare the two scores.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work