score question

[Anonymous]

I just pulled myFICO's scores, and it says I have a 657, EQ. 691 TU, & 690 EX. I also get my score from Experian.com. On their website my score on my EX is acutally higher. What score should I keep my eye on, and what are some things I can do to raise it I'm considered a "thin file" because I'm only 20, and just started building my credit about five months ago.

[marty56]

I don't think the score you got from the Experian site is a FICO score so you can ignore the value and the remarks on how to improve it.

In general, unless they say it is a FICO score, it is what is called a FAKO score as in fake.  It is not really fake in the sense of an arbitrary value but fake in the sense that no or very few lenders use it.

[bdhu2001]

You stated that you pulled your scores from myFICO.  If it's recent, then you have access to the simulator for all three scores.  I would use that to see what it recommends you do to raise your score. Aside from that, you'll need to give us more information on your thin file for us to give better info. (how many credit cards, do you have an installment account, what your % owed per card and overall, etc.)

[MarineVietVet]

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@Anonymous wrote:

I just pulled myFICO's scores, and it says I have a 657, EQ. 691 TU, & 690 EX. I also get my score from Experian.com. On their website my score on my EX is acutally higher. What score should I keep my eye on, and what are some things I can do to raise it I'm considered a "thin file" because I'm only 20, and just started building my credit about five months ago.

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Hi there.

From the Experian website: Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders.