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Discussion in 'Credit Talk' started by Kittw1, Oct 27, 2001.
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I think I read here the other day that they are using TU now. I could be remembering incorrectly, though.
Even if they are using TU, their rap is still wrong at least in my case.
my report still says experian
CE is Experian.
Last week my CE score went up 12pts. The only change I can find with my report is that my new BofA card was added. My ratios were already very low so I can't imagine the new credit line would have made much of a difference. If anything, I thought the new account would cause my score to take a temp. hit. ????? Who knows? CE seems goofy to me.
They're talking about www.creditxpert.com not www.creditexpert.com. Both originally pulled EXP, but many people say that CX now pulls TU.
Actually, there are two different products:
1) CreditExpert.com is definitely the online consumer site for Experian.
2) CreditXpert.com is definitely NOT Experian. They may well use Trans Union, although they aren't owned by Trans Union (the way CreditExpert.com, the other one, is owned by Experian).
Could it have gone up because accounts aged a little more?
Another reason would be that sometimes a new account with a nice high credit limit boosts your score more than it hurts it. This would be the case if the new account significantly helps your debt to credit limit ratios.
Lord, we typed our answers at the same time, Bkev -- great minds think alike.
Thanks for the correction Bkev, I wasn't reading closely enough.
No problem... I've been requested to apply for www.creditxxxpert.com with my foul mouth.
Thanks Mist, that makes sense. It was a mystery to me. I was just happy to see it head north for once.
Thanks to you too Doc for catching my error.
Ok, I've got it right this time. CreditXpert is still a joke. Reporting my scores as gutter scores. TU's score says 590. Stinks, but with 3 more deletions maybe I will get better. CreditExpert says 612. 2 more deletions to go. Now if Equifax wants to give me a free 30 day trial then I will be more than delighted to take a look. I have to do it some time this month before I go see the loan officer. Just an update.
There was about a 60 point difference between my creditxpert score using TU and the actual score I received from TU.
positive or negative from the TU score?