I just got my EXP score and it's only 495! My TU score is at 595. How can there be 100 points difference? Is it true if you dispute some items before trying to get credit, like say a auto loan that your score will look higher because of the disputes? I need a new car in May and I need this score to be higher! I get so frustrated with the scoring system!
Tooth, not all CRAs report all of your accounts, if you compare the reports side by side, you will probably see some same, and some different. Besides that, they are both FAKO scores LOL!
Does FAKO mean that when a potential creditor pulls your report that they see a different score all together?
You know it seems to me that they do everything in their power to confuse you as much as possible. So obviously my TU score of 595 is a FAKO score since I got it online after being turned down for credit and didn't pay the $12.95 for the report. Is this correct?
Re: Re: Experian UGH! So this is the part that gets really confusing, so if the Experian score that we see is a FAKO score then if a potential creditor pulls EXP then what do they see? Do they see the same FAKO score that we see or a totally different score that is undisclosed to us? OH OH the headaches getting worse!
Re: Re: Re: Experian UGH! The latter, I believe, or else they come up with their own. Quote from Christine Baker of bayhouse.com: "The CreditExpert scores are WORTHLESS - no lender uses the Experian scores sold to consumers." Also from Christine - check this detailed thread out (just to add to your headache): http://creditforum.org/showthread.php?s=&threadid=1248
Re: Re: Re: Experian UGH! So... what I'm reading into this is don't really bother to check your credit scores at all. Well especially not EXP. What matters is just contunuing to repair and trying to get neg TL's off so that the overall appearance of your CR looks good to a potential creditor, since they all seem to have their own way of scoring anyway? Does this sound about right?? Anyone else with any insight?
Re: Re: Re: Re: Experian UGH! Sounds about right. Just consider the scores you see as visible gratification of your hard work as you improve your credit report.!
