@Anonymous wrote:My reports are showing a 0 score from experian, trying to contact them is a joke, my other scores are above 700 with TU and EF. If the lenders are taking my middle xcore based on 3 agencies i am screwed... what can i do??
hipjak, theoretically, if they take the middle score, they throw out the high and the low and take the one in the middle. In your case over 700, so you should be okay. Practically, you need to figure out what's in your report, so that you can assess/address why it's not registering a score. How long have you had credit? Is enough credit reporting to EX to register a score? Have you been able to pull the report, regardless of the score? Can you see what's on it?
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Isn't the lowest score 350?
@tryingtogetitrightnow wrote:
Isn't the lowest score 350?
On EQ and EX the lowest scores are 300 and on TU it's 336. However, if the file is too thin, then it wouldn't register a score.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Anonymous wrote:My score is 715 and 735 with TU and EQ i am wondering if the lenders will divide by 3 to obtain the mean score..
hipjak, it's not a mean score, it's a median score. They throw out the high and the low and take the one in the middle. So, 735, 715, 0. They take the 715 as the benchmark for rates and LTV, etc.
The real question is have you looked at the EX report to figure out what's going on? Forget the score, what are the details? Again, if you have enough accounts registering on the report, I would call myfico and see if they can't get down to the bottom of it for you. Seems there might be a glitch...?
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
FICO scores are 300 to 850, so you can't actually have 0You need to pull your free annual report and see what is what
@Anonymous wrote:Your Score is: 0 on a scale of 350 - 850a paste from my report
Hipjak, what are the details of the report? Let's forget about the score for a moment.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge