Author Topic: What happened to my credit score???!!!  (Read 2507 times)

Offline smurf

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Re: What happened to my credit score???!!!
« Reply #15 on: July 06, 2012, 01:56:45 AM »

true......i guess im OCD
as far as fraud monitoring checking your report for discrepancies is more important

Offline kangaroo

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Re: What happened to my credit score???!!!
« Reply #16 on: July 06, 2012, 02:02:14 AM »
as far as fraud monitoring checking your report for discrepancies is more important

so i guess citi would be good for that?

Offline smurf

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Re: What happened to my credit score???!!!
« Reply #17 on: July 06, 2012, 02:03:51 AM »
so i guess citi would be good for that?
yes
and it's churnable for $1 every 45 days

Offline txtmax4

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Re: What happened to my credit score???!!!
« Reply #18 on: July 06, 2012, 02:07:34 AM »

seems like they only give me 2 fico scores....
Fico doesn't score Experian. They used to up until 3-4 years ago.
Check your Experian from a different company and "give yourself a score" by comparing the items in Experian to the ones in the other two bureaus. The variants should be minimal..
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Offline MarkS

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Re: What happened to my credit score???!!!
« Reply #19 on: July 06, 2012, 11:10:35 AM »
For the record, when you get a mortgage, they take the middle of your 3 scores. So for example if your scores are 770, 800, 820,   they will put you down as an 800. (Median not average).

Offline AsherO

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Re: What happened to my credit score???!!!
« Reply #20 on: July 06, 2012, 12:02:35 PM »
Fico doesn't score Experian. They used to up until 3-4 years ago.

I didn't know this. Does this mean that NYers applying for Amex/Chase get evaluated based on something else?
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Offline Dan

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Re: What happened to my credit score???!!!
« Reply #21 on: July 06, 2012, 12:04:50 PM »
I didn't know this. Does this mean that NYers applying for Amex/Chase get evaluated based on something else?
FICO does all 3, however consumers can't access their EX score.
http://articles.latimes.com/2009/feb/13/business/fi-fico13
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Offline AsherO

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Re: What happened to my credit score???!!!
« Reply #22 on: July 06, 2012, 12:06:15 PM »
FICO does all 3, however consumers can't access their EX score.

Thanks! That's more like it. I was having trouble with

Fico doesn't score Experian. They used to up until 3-4 years ago.

Which is apparently inaccurate.
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Offline txtmax4

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Re: What happened to my credit score???!!!
« Reply #23 on: July 06, 2012, 02:07:15 PM »
Sorry, I meant for consumers.
Lenders can still view the Experian FICO score.
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Offline HelpMe

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Re: What happened to my credit score???!!!
« Reply #24 on: July 06, 2012, 02:11:17 PM »
Comsumers can still get them IIRC. I posted a third party site a while back but not sure if they still do it.
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Offline Dan

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Re: What happened to my credit score???!!!
« Reply #25 on: July 06, 2012, 02:35:25 PM »
Comsumers can still get them IIRC. I posted a third party site a while back but not sure if they still do it.
Link?
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Offline HelpMe

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Re: What happened to my credit score???!!!
« Reply #26 on: July 06, 2012, 02:41:34 PM »
Link?
Calling Mr Search, Cbs! 
Let me see if I can figure out how to use the search function.  :)
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Offline smurf

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Re: What happened to my credit score???!!!
« Reply #27 on: July 06, 2012, 03:20:18 PM »
consumers should still be able to get them when applying for a CC from a bank that pulls experian

Offline meshugener

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Re: What happened to my credit score???!!!
« Reply #28 on: July 06, 2012, 06:21:15 PM »
How??
They only give the report.
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Offline Centurion

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Re: What happened to my credit score???!!!
« Reply #29 on: July 17, 2012, 11:42:37 PM »
start a new thread what is your credit score?
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