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Am I Missing Something?


david_weaver
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I am not a PA resident, and do not have a Walmart card.

 

If the score I am getting from Experian is a FAKO, am I correct in my understanding that the only way I will ever find out my true Experian FICO score is by applying somewhere and getting denied?

 

That seems beyond belief to me.

 

Dave

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Walmart gives you your true TransUnion FICO score. Almost every score you get, unless you get it from myfico is a FAKO. The reasons for having things like the Walmart card, DCU membership, etc. is that you get your true FICO for the various CRB monthly without having to pay myfico for it. Experian did away with letting people see their "true" score a while back. Not sure of the reasoning but Credit Sesame seems to be the closest FAKO to the real thing for Experian. This is how I'm getting my real FICO each month for myself and my husband...DCU is Equifax so we joined there. I use Credit Sesame for an estimate of Experian. I get the TransUnion 08 FICO from my Merrick Bank card and we get his from our Walmart card.

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I am not a PA resident, and do not have a Walmart card.

 

If the score I am getting from Experian is a FAKO, am I correct in my understanding that the only way I will ever find out my true Experian FICO score is by applying somewhere and getting denied?

 

That seems beyond belief to me.

 

Dave

 

Welcome to Hell.

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Thanks guys. Heeded the advise and have not gone fishing for Comenity cards with toy limits. Had my eyes on the two cards I would use the most, Marriott Rewards Visa and Delta Sky-miles Amex. Looks from the database like Delta Amex is almost always an EX, with Marriott Visa either and EX or EQ. So I was really hoping to SEE my EX Fico before applying. Guess i will just have to suck it up and throw caution to the wind. :)

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