Comments on: Experian Cutting off Consumer Access to FICO Scores http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/ For the Up To Date News Tue, 07 Feb 2012 22:26:40 +0000 hourly 1 http://wordpress.org/?v= By: Maria http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/comment-page-1/#comment-3806 Maria Fri, 22 Jan 2010 17:17:34 +0000 http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/#comment-3806 Your information here is very interesting. I just had a horrible time with Experian - turned into a credit nightmare because I automatically paid my mortgage each month but my property taxes went up. So for three or four months, my payment was about $80 less than it should be. Chase put the entire mortgage into delinquency so it looked like I owed thousands of dollars instead of just under $400. My credit cards automatically required me to pay the entire balance each month (I did that anyway) and reduced my line of credit to $1500! Even though I disputed everything and it has been removed, I am still having problems. It seems like Experian is trying to game the system with its scoring. Doesn't there seem to be a conflict of interest that a company that controls my access to credit can own lowermybills.com, a company that trolls the web for customers looking for mortgages? Your information here is very interesting. I just had a horrible time with Experian – turned into a credit nightmare because I automatically paid my mortgage each month but my property taxes went up. So for three or four months, my payment was about $80 less than it should be. Chase put the entire mortgage into delinquency so it looked like I owed thousands of dollars instead of just under $400. My credit cards automatically required me to pay the entire balance each month (I did that anyway) and reduced my line of credit to $1500! Even though I disputed everything and it has been removed, I am still having problems. It seems like Experian is trying to game the system with its scoring. Doesn’t there seem to be a conflict of interest that a company that controls my access to credit can own lowermybills.com, a company that trolls the web for customers looking for mortgages?

]]> By: Kristy http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/comment-page-1/#comment-1603 Kristy Sat, 07 Feb 2009 19:41:13 +0000 http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/#comment-1603 Basically I am saying that even myfico.com won't give out FICO scores for Experian. Basically I am saying that even myfico.com won’t give out FICO scores for Experian.

]]> By: TJ http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/comment-page-1/#comment-1601 TJ Sat, 07 Feb 2009 06:31:30 +0000 http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/#comment-1601 I guess I don't get this article. I never go by what each individual credit bureau says my score is because I already knew that each one uses its own proprietary software. I only get my FICO score from MyFico.com. I understood that Fair Issac (MyFico.com) uses the data from the 3 bureaus and then formulates the score. So are you saying that Experian will now be refusing to provide their credit data on individuals to Fair Issac? So FICO will now be calculated by Fair Issac using only TransUnion and Equifax data and omitting Experian's? If Fair Issac will still pull info from all 3 bureaus and formulate its FICO score based on those, so what if Experian won't allow you access to your FICO score through them. Just get it through MyFico instead. Am I missing something here? I guess I don’t get this article. I never go by what each individual credit bureau says my score is because I already knew that each one uses its own proprietary software. I only get my FICO score from MyFico.com. I understood that Fair Issac (MyFico.com) uses the data from the 3 bureaus and then formulates the score.

So are you saying that Experian will now be refusing to provide their credit data on individuals to Fair Issac? So FICO will now be calculated by Fair Issac using only TransUnion and Equifax data and omitting Experian’s?

If Fair Issac will still pull info from all 3 bureaus and formulate its FICO score based on those, so what if Experian won’t allow you access to your FICO score through them. Just get it through MyFico instead.

Am I missing something here?

]]> By: Kristy http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/comment-page-1/#comment-1597 Kristy Fri, 06 Feb 2009 18:46:34 +0000 http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/#comment-1597 I don't actually care which system is used. I just want advance notice of where I'm at credit wise before submitting applications. Inquiries count against you - so I want to compare apples to apples. I don’t actually care which system is used.

I just want advance notice of where I’m at credit wise before submitting applications. Inquiries count against you – so I want to compare apples to apples.

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