First Real Score=646
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  1. #1
    Join Date
    Jul 2001
    Posts
    1,139
    I went online to order an Experian report. I'm going to get free reports from Trans Union and Equifax as well, since I've gotten turned down recently.

    Anyway, Experian/Credit Expert offered me the score for an additional $3.95, and I went for it. I was quite relieved to find that it was 646, well above 600. Based on the results from certain applications, I figured I was at 580 or so. (If I don't even get offered one of the subprime NextCards...)

    One interesting detail from the score report: Your collections are counted at 100% utilization. That helped contribute to my overall utilization ratio of 94%, not too good, I know.

    The score analysis was largely doubletalk. Length of credit history was listed as both a positive and a negative factor. Number of accounts (10) was listed as a positive factor. Credit usage, of course, was a negative factor for me.


  2. #2
    Join Date
    Aug 2001
    Posts
    74

    Re: First Real Score=646

    Where were you able to find a place to order just ONE score on Experian's site?

    All I could find was for the $80 annual thing, which I didn't want.

    A. J.

  3. #3
    Join Date
    Mar 2000
    Posts
    3,706

    Re: First Real Score=646

    here's a tip. creditexpert.com doesn't check the credit card for funding. I setup an "ecount.com" account with $1.00 on it to get my free trial from creditexpert.

  4. #4
    Join Date
    Jul 2001
    Posts
    1,139

    Re: First Real Score=646

    It was a fluke, since I live in Arizona. The regular Experian site wouldn't accept my order, so I went to their local affiliate, Credit Data Southwest. They have something called Premier Information Center, which will sell you an online report, as well as merged reports through the mail.

    Perhaps Premier Information Center operates in states other than Arizona and New Mexico. It was very convenient for me, even though I was forced to use it.

  5. #5
    Join Date
    Mar 2000
    Posts
    3,244

    Re: First Real Score=646

    Please keep in mind Credit Expert is NOT your real score, this score is generated from their own software, this does not seem to be the same score that potential creditors or lenders receive from Experian.
    Momof3
    Official Home Owner 335 to go!

    Proud to be a member of the "TRIO", that's a group of three individual people LOL

  6. #6
    Join Date
    Jul 2001
    Posts
    1,139

    Re: First Real Score=646

    Fine. At least it's more real than the simulations offered on other sites.

    As for the software, doesn't Experian also use its own software to give scores to lenders? And how do you know that lenders get a different score than I get? And even if they do, is the difference a major difference, or only a few points?