Am I missing something here? I just pulled my eloan free score. It says very plainly that it is based on your Experian/Credit Expert report, rescored by Eloan. I know that my Credit Expert score is 655, so it did not surprise me when my eloan score was 679. It did surprise me to find out these facts: Per Eloan: # of Inquiries 11 Amt of Real Estate Debt $135K Public Records None Active Accounts 5 Per Experian: # of Inquiries 0 ( I have none on any of the 3 CRA's) Amt of Real Estate Debt $0 (my mortgage was deleted over a year ago from all 3 bureaus) Public Records 1 - Ch13 bk filed 1/01 (has been deleted from all EXCEPT Exp) Active accounts 21 These two reports don't even resemble each other. Has anyone else had this experience? Could it actually be based on another credit bureau?
I thought that Eloan was based on TU. I haven't pulled them in awhile but I have a soft inq from them on my TU from last fall. If I remember correctly, I didn't find the information althogether accurate either so I haven't gone back to the Eloan site.
Well, so far my score through Eloan is 637. Much closer to my TU score than the others. But the report is Equifax. It is showing all of my current disputes. Good Equifax. BUT... it is still showing RMA which is one account twice. $2660 and $2659 the other. Argh!! Bad Equifax.
Copied from the Eloan site-- "All credit report services (not including credit scores, which are provided by E-LOAN) are provided by ConsumerInfo.com or CreditExpert.com, both of which are wholly-owned subsidiaries of Experian" Now I remember, the SCORE comes from TU information but is calculated differently than how TU creates it. This stuff gets sooo confusing sometimes...
