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Experian real score help

Discussion in 'Credit Talk' started by karak, Aug 6, 2002.

  1. Aug 6, 2002 #1
    karak

    karak Well-Known Member

    For those of you who have had a real Experian score pulled for a loan, what kind of difference did you have between the real score and the Credit Expert score. I am having my tri-merge pulled in the next couple of days for a mortgage and need a 620 middle score. My EQ is 699, and Credit Expert says 684 and I am having major problems with TU and have no idea so I can not rely on them so I need my Experian to be my middle score and am hoping they aren't off by that much. Anyone have some comparisons to share. Thanks

    Kara
     
  3. Aug 6, 2002 #2
    kbanger

    kbanger Well-Known Member

    I want to know the answer to this also so here is a bump for you

    Bump
     
  4. Aug 6, 2002 #3
    jambe

    jambe Well-Known Member

    3/1/2002 fake score of 622 vs 3/25/2002 FICO of 588. There was one collection on 3/1 that was NOT on the 3/25 report.

    7/29/2002 fake score of 637 vs 6/11/2002 FICO of 587. 7/29 report traded one collection for another, but also was minus a foreclosure.

    Hope that helps...
     
  5. Aug 6, 2002 #4
    msb212

    msb212 Well-Known Member

    Wow -- that's not very encouraging -- I thought EXP was pretty close to the real FICO -- anyone else with this info please post! I am panicikng...
     
  6. Aug 6, 2002 #5
    karak

    karak Well-Known Member

    me too ! Help!
     
  7. Aug 6, 2002 #6
    Swede

    Swede Well-Known Member

    real score= 652
    fake score= 648

    my friend just did his which was
    real score= 708
    fake score 704
     
  8. Aug 6, 2002 #7
    kbanger

    kbanger Well-Known Member

    So would you say the Credit expert Score is four points below the real? or am I just reading into this too much
     
  9. Aug 6, 2002 #8
    wolverine

    wolverine Well-Known Member

    684 fake vs. 701 real. No differences in the reports
     
  10. Aug 6, 2002 #9
    gavenraj

    gavenraj Well-Known Member

    How did you get the real score?

    -Gavenraj
     
  11. Aug 6, 2002 #10
    suedan217

    suedan217 Well-Known Member

    Fake was 670, real was 707. Got it from a car dealer.
     
  12. Aug 7, 2002 #11
    Swede

    Swede Well-Known Member

    I think ours was just a fluke in the 4 point difference
     
  13. Aug 7, 2002 #12
    jambe

    jambe Well-Known Member

    Mine were both FICO real estate scores, and unfortunately were not near enough to be used conclusively. I really doubt seriously that my EXP FICO is 637, so I am of the opinion that they fudge towards the high side. My wife's CreditExpert score was 599 last I checked, and there is no way in hell her EXP FICO is that high.

    Just my take...
     

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