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tzuk

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  1. tzuk

    FICO scores

    One of your Transunion accounts is in dispute. It won't be counted in your FICO score.
  2. that doesn't really mean anything. Hmm..I think it does. CreditOne uses 04. It is 04 (got my letter today), and as stated a few pages back, 04 does not go to 850. It's the same score PSECU offers. Are you actually saying that Experian doesn't know the history of the various Experian Fico scores. That seems to be incredibly arrogant. Experian doesn't generate FICO scores. I wouldn't be surprised if they don't have the correct information listed. It's not an Experian credit score FYI. It's a FICO based on Experian's data. Why do you think they try to sell their own FAKO score? Of course it's a FICO score. The links I have posted prove that it is clearly Experian Fico 98. If you have any other information please provide it. Just because a small group of people of credit boards claim to know more than Experian doesn't make it true. You are living in a make believe world. From what well, springs your font of knowledge? lol, still waiting. http://www.experian.com/assets/regulatory-compliance/consumer-information/brochures/risk-based-pricing-models-list.pdf http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v2-table_0612.pdf To avoid responding to the information contained in the links doesn't change the facts. Experian does know the names of their various FICO scores, and Experian does know the years those scores were first made public. No matter how many people on Creditboards claim to have superior knowledge to Experian, it will never be true.
  3. I have posted several links to the Experian website. The Experian documents show clearly that EX 98 is v2. What is your reason for believing that 04 is v2. If you believe that Experian is incorrect regarding the names of their Fico scores, please explain your reason. For someone to simply say that we know more than Experian is not logical or rational. It also seems somewhat arrogant. http://www.experian.com/assets/regulatory-compliance/consumer-information/brochures/risk-based-pricing-models-list.pdf http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v2-table_0612.pdf
  4. I'm not the one with the problem. You're the one with the problem.
  5. that doesn't really mean anything. Hmm..I think it does. CreditOne uses 04. It is 04 (got my letter today), and as stated a few pages back, 04 does not go to 850. It's the same score PSECU offers. Are you actually saying that Experian doesn't know the history of the various Experian Fico scores. That seems to be incredibly arrogant. Experian doesn't generate FICO scores. I wouldn't be surprised if they don't have the correct information listed. It's not an Experian credit score FYI. It's a FICO based on Experian's data. Why do you think they try to sell their own FAKO score? Of course it's a FICO score. The links I have posted prove that it is clearly Experian Fico 98. If you have any other information please provide it. Just because a small group of people of credit boards claim to know more than Experian doesn't make it true. You are living in a make believe world. Explain who you think generates FICO scores and what Experian's role is in the process. The links I have posted are definitive. A small group of people on credit boards have been spreading misinformation about fico scores EX 98 and EX 04 for a long time. That is understandable. Limited information was available. But, to cling to your misinformation just to preserve your self proclaimed status as experts is silly. Why not examine the current information available and move on.
  6. that doesn't really mean anything. Hmm..I think it does. CreditOne uses 04. It is 04 (got my letter today), and as stated a few pages back, 04 does not go to 850. It's the same score PSECU offers. Are you actually saying that Experian doesn't know the history of the various Experian Fico scores. That seems to be incredibly arrogant. Experian doesn't generate FICO scores. I wouldn't be surprised if they don't have the correct information listed. It's not an Experian credit score FYI. It's a FICO based on Experian's data. Why do you think they try to sell their own FAKO score? Of course it's a FICO score. The links I have posted prove that it is clearly Experian Fico 98. If you have any other information please provide it. Just because a small group of people of credit boards claim to know more than Experian doesn't make it true. You are living in a make believe world.
  7. that doesn't really mean anything. Hmm..I think it does. CreditOne uses 04. It is 04 (got my letter today), and as stated a few pages back, 04 does not go to 850. It's the same score PSECU offers. According to the Experian website EX 04 does go to 850. http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v3-table_0612.pdf Maybe Experian doesn't know actually know anything about their credit scores.
  8. that doesn't really mean anything. Hmm..I think it does. CreditOne uses 04. It is 04 (got my letter today), and as stated a few pages back, 04 does not go to 850. It's the same score PSECU offers. Are you actually saying that Experian doesn't know the history of the various Experian Fico scores. That seems to be incredibly arrogant.
  9. Yes, it is a FICO. It is Experian 98. It's 04..I got the letter and it matched the score from the CreditOne prequalifier link. According to the Experian website it is Experian 98. http://www.experian.com/assets/consumer-information/brochures/risk-based-pricing-rule/experian-fico-risk-model-v2-table_0612.pdf http://www.experian.com/assets/regulatory-compliance/consumer-information/brochures/risk-based-pricing-models-list.pdf
  10. Your score from myfico is Experian 08. Your score from Nasa is Experian 98. They are both FICO scores, but the two scores are based on different scoring algorithms.
  11. No card yet. Funded on 9/25. I did receive my credit score today. It is definitely Experian 98. 791 on a range of 320 to 844.
  12. October 6 is the date they pulled the scores.

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