Hi, welcome to the forums!
smallfry is right --the score that you got directly from Experian is derived from a different formula than FICO scores. There are similar non-FICO scores that you can buy from credit monitoring services. They all have different score ranges, and are generated by different formulas, and they are generally lumped under the term "FAKO's".
Almost all lenders go with FICO's rather than FAKO's, so it's a lot more useful to know your FICO scores and gain an understanding of how your credit actions affect your FICO scores.
It's easiest to get all three of your FICO scores here: EQ (Equifax), TU (TransUnion), and EX (Experian.) It is possible to buy your EQ FICO directly from Equifax, and it's possible to buy your TU FICO directly from www.transunioncs.com. (Note the cs at the end of the URL.) It's a lot simpler to get them all here, and you can often buy them here at a discount.
When you pull your FICO score, make sure to work your way through the whole report to get a lot of feedback about why your score is where it is, and what you can do to make it better. The EX FICO report is pretty bare-bones, but the EQ and TU FICO score reports also list some of the things that you're doing right, and they also have a score simulator at the end that can give you an idea about how your scores might improve over time, and the possible results of individual actions.
We don't publish discount codes here as a courtesy to our forum host, except when myFICO publishes one itself. They currently have one on the log-in page for all three scores that's good through July 31, called summer20. Otherwise Google fico discount code coupon, and you ought to be able to find some that work.
Anyway, a bit more than you asked
, but those are generally questions that other newcomers have asked. Hope that helps.
smallfry is right --the score that you got directly from Experian is derived from a different formula than FICO scores. There are similar non-FICO scores that you can buy from credit monitoring services. They all have different score ranges, and are generated by different formulas, and they are generally lumped under the term "FAKO's".
Almost all lenders go with FICO's rather than FAKO's, so it's a lot more useful to know your FICO scores and gain an understanding of how your credit actions affect your FICO scores.
It's easiest to get all three of your FICO scores here: EQ (Equifax), TU (TransUnion), and EX (Experian.) It is possible to buy your EQ FICO directly from Equifax, and it's possible to buy your TU FICO directly from www.transunioncs.com. (Note the cs at the end of the URL.) It's a lot simpler to get them all here, and you can often buy them here at a discount.
When you pull your FICO score, make sure to work your way through the whole report to get a lot of feedback about why your score is where it is, and what you can do to make it better. The EX FICO report is pretty bare-bones, but the EQ and TU FICO score reports also list some of the things that you're doing right, and they also have a score simulator at the end that can give you an idea about how your scores might improve over time, and the possible results of individual actions.
We don't publish discount codes here as a courtesy to our forum host, except when myFICO publishes one itself. They currently have one on the log-in page for all three scores that's good through July 31, called summer20. Otherwise Google fico discount code coupon, and you ought to be able to find some that work.
Anyway, a bit more than you asked
, but those are generally questions that other newcomers have asked. Hope that helps.
Well, for what it's worth, I'm working on one of these. 
Working two jobs and home remodeling is definitely cutting in on available time, though.
And for all members, a gentle reminder about being helpful and supportive, please.
Message Edited by haulingthescoreup on 07-26-2008 01:34 PM
Working two jobs and home remodeling is definitely cutting in on available time, though.
And for all members, a gentle reminder about being helpful and supportive, please.
Message Edited by haulingthescoreup on 07-26-2008 01:34 PM
