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Here's a strange one.......

Discussion in 'Credit Talk' started by mrbreeze, Feb 27, 2003.

  1. Feb 27, 2003 #1
    mrbreeze

    mrbreeze Active Member

    ........to me at least......maybe you guys have seen it. I just got my three in one online from privacy guard....my FICO was 663 due to carrying high balances with not much available credit. Anyway, The Equifax and TU reports were just about identical....but, get this....the Experian report was totally blank....not ONE entry except for my Name and Address....what's up with that?
     
  3. Feb 27, 2003 #2
    Epitomee

    Epitomee Well-Known Member

    There is no Fico score for experian.
     
  4. Feb 27, 2003 #3
    LD

    LD Well-Known Member

    Experian has their own scoring system. Its funky, about 30 points different than my TU & EQU FICOs and I don't think anyone but Experian uses it.
     
  5. Feb 27, 2003 #4
    mrbreeze

    mrbreeze Active Member

    Thanks guys, but i guess I wasn't clear....I wasn't talkin FICO....I was talking the ENTIRE report....there was no info on it at all....just my name and address. Experian didn't list any accounts where as EQ and TU had them all and were just about identical. Is this common as well and I'm just not aware?
     
  6. Feb 27, 2003 #5
    mrbreeze

    mrbreeze Active Member

    I guess it must be common.....I thought it was strange.....I thought EXP would show SOMETHING at least....maybe they were down or something....Idunno.
     
  7. Feb 27, 2003 #6
    bigmon

    bigmon Well-Known Member

    Could be a technical error or the people that are reporting to EXP are reporting different identifying info...in other words, you may have 2 files.
     
  8. Feb 28, 2003 #7
    mrbreeze

    mrbreeze Active Member

    Re: Re: Here's a strange one.......

    The EXP file has my same name and address as the other two, which is weird........should I contact EXP and find out?
     
  9. Feb 28, 2003 #8
    jlynn

    jlynn Well-Known Member

    Re: Re: Re: Here's a strange one.......

    yes
     
  10. Feb 28, 2003 #9
    bigmon

    bigmon Well-Known Member

    Re: Re: Re: Here's a strange one.......

    MrBreeze,

    Call them and find out the problem...I have had my file split and they had the same name,address and SS#.

    There are flaws in the CRA computers. Sometimes this works for us and sometimes against us.
     
  11. Feb 28, 2003 #10
    mrbreeze

    mrbreeze Active Member

    Re: Re: Re: Re: Here's a strange one.......

    Thanks......I was hoping it would work for me....I'll keep diggin and find out.
     
  12. Feb 28, 2003 #11
    bigmon

    bigmon Well-Known Member

    Re: Re: Re: Re: Here's a strange one.......

    here's an example....my mother has a BK from 3 years ago and was having a trouble getting a HELOC...she used a new address and her BK didn't show up and got approved for a unsecured LOC.

    In this case the CRA flaws worked....the address she gave is her actual home address...her other address, where the BKshows up, is a mailbox service.

    When it's tilted in your favor take it while it last.
     

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