OK, It's my fault for not checking closely, but I am disappointed to pay $40 to find out the score provided by truecredit.com is provided/powered by creditexpert.com. I am already a subscriber to creditexpert so it did not benefit me to see that score. I thought I was receiving a score for each report. Oh well, Mike G.
There are two different scores: http://www.creditXpert.com (The CreditXpert score is provided with TrueCredit report) as opposed to http://www.creditExpert.com (the name of Experian's service). Regarding marketing and positioning, I believe the CreditXpert came before Experian's CreditExpert. What Experian was thinking when they chose their name, I don't know; they're foreigners.
Incorrect. I've had extensive conversations with the CreditXpert people. They're proud of their unique product.
IMHO, unless the exact FICO model is being used, these companies should not be allowed to advertise these products as credit scores. I imagine that many people don't know what the hell FICO is, but sees "credit score" and assumes this is the score seen by creditors. At the least, these companies should have large disclaimers that emphasize that these scores are not the actual FICO scores seen by most lenders. Of course the Equifax ScorePower is supposed to be the actual FICO score, but the other products out there are not. Again, this is just my 2 cents.
That's pretty far-fetched. Nonetheless, here's the disclaimer: https://www.truecredit.com/products/single/profilerSample.jsp;jsessionid=aaacHJMYarak1_ Experian should post a disclaimer that their score is neither the CreditXpert nor a Fair, Isaac score. But, they can't bring themselves to state what it is not because of their cloak-and-dagger mentality and misguided and sophomoric marketing effort. This name confusion thing is absolutely Keystone-Koppish. https://www.creditexpert.com/credit...glossary_popup_c_f.html#experian_credit_score https://www.creditexpert.com/creditexpert/creditmanager/019_402_am_crd_scoring.html Meanwhile, life imitates art. In a comment purposely limited to one sentence, a certain critic of scoring termed the FICO "the real score" in May, 2000 ( http://www.bankrate.com/ndaq/news/mtg/20000524.asp ). After releasing the Equifax FICO to consumers in March, 2001, Fair, Isaac www.myfico.com site says, "Get Your REAL Score... "
