Only 9 days left before you can no longer get an EX score

[smallfry]

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@Anonymous wrote:

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@smallfry wrote:

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@Anonymous wrote:
I'm sorry, I don't get it. How are you supposed to monitor what is on your report, dispute inaccuracies, etc?  Are you now supposed to simply assume creditors are being honest when/what/how they report without knowing the content/scores? How can the do this legally?

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The reports you pull here should never be used for monitoring. Never.

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Not sure what you mean. Why wouldn't you use these reports for monitoring?  Are you saying you can still order reports and if so why would those be preferable (more detailed for sure but you seem to indicate the reports here are not accurate)....

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The only "true" reports are the hard copies you get from the CRA's. 

[CreditAble]

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@MidnightVoice wrote:

http://ficoforums.myfico.com/fico/board?board.id=special_announcement

I don't mind - EX hates me, and I can now stop worrying about it as I will never know what my EX score is anymore!

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I don't really mind either. As of late Experian has neen my highest score. I am still going to freeze my Experian report on the 13th. Experian will not be able to make money from all the people it sells my info to.

I simply will assume from now on that my (mystery) Experian FICO score is higher than my other scores.

I would appreciate it if MyFico made a gesture of goodwill for its faithful consumers. It would be nice if  MyFico provided all three bureaus reports and FICO scores for the price of one report and score between now and when Experian goes dark.

 That would provide everyone with an opportunity to have a final comparison of report details and scores.

That data could be of value in the future when some  people need to guess their Experian scores based upon pulling their Eq and TU scores.

I for one will not be buying Vantage scores in the future just to make an educated guess as to how my Experian score ranks in relation to the other two bureaus.

My Experian file will only be unfrozen when the other Experian freezes over or until the above ground Experian permits consumers to see their FICO scores again.

[marty56]

Just think of all those Americans, who dont pull or even care about their FICO score(s), dont know they cant get their EX score now.  How are they going to get by.

[haulingthescoreup]

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nyccc2 wrote:

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@smallfry wrote:

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@Anonymous wrote:

I'm sorry, I don't get it. How are you supposed to monitor what is on your report, dispute inaccuracies, etc?  Are you now supposed to simply assume creditors are being honest when/what/how they report without knowing the content/scores? How can the do this legally?

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The reports you pull here should never be used for monitoring. Never.

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Not sure what you mean. Why wouldn't you use these reports for monitoring?  Are you saying you can still order reports and if so why would those be preferable (more detailed for sure but you seem to indicate the reports here are not accurate)....

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The reports that you get here (and used to get at TrueCredit, and still get from other 3rd party monitoring services) are derived from the full reports maintained at the credit bureaus. They are a useful summary of what's going on in the full report, but frequently there are quirks in how the data transmits from one field to another and so forth, and so we wind up with those funky display issues.

IMO, these third-party reports are useful for monitoring, as long as you periodically pull the full report from the bureaus as well, in order to get the real nitty-gritty.

Experian's decision to stop allowing myFICO to sell consumers our scores does not affect your ability to monitor your EX report. Scores are not the same as reports; reports are not the same as scores. And as has been pointed out, if the reports are good, the scores will be too.

btw, when we talk about the "full" reports that we get directly from the bureaus, we should always keep in mind that they are the consumer version of full reports. From what I've read here and elsewhere, lenders get a "fuller" version.