which credit bureau does amex use? when you apply loan, lender will pull the three major bureaus and use the median one. some one may have one very high but the other low real low...
By default, AMex shows you the Experian score. Now, there are two others ( Equifax and Trans Union), which you have to pay to get the score. You might be right. The median may be lower the one is currently shown by Experian. I am not sure though, typically how big a difference can it be.
【在 s***y 的大作中提到】 : which credit bureau does amex use? : when you apply loan, lender will pull the three major bureaus and use the : median one. some one may have one very high but the other low real low... : : 800
n*7
29 楼
决定于你什么货吧,100快一下肯定扔了走人啊
M*3
30 楼
As compared to Amex's score, what is the difference to your FICO score? 5% difference, or 10% difference???
that's really not predictible. just my case, two were over 740 and one was below700....-__-//... (in this case, I am lucky. but I really have no idea why my scores are so low)
【在 M**3 的大作中提到】 : By default, AMex shows you the Experian score. Now, there are two others ( : Equifax and Trans Union), which you have to pay to get the score. : You might be right. The median may be lower the one is currently shown by : Experian. I am not sure though, typically how big a difference can it be.
Wow, that's pretty significant... makes me want to check fico score now. By the way, is fico one of the following three: Experian, Equifax and Trans Union. Or it is the median of the three? Not sure if this is gonna be a second pull on my credit score, if I check fico. If that is the case, I am reluctant to do that at this point.
【在 G******i 的大作中提到】 : it's almost 10% less for my case..
The free credit score provided by AMEX is Experian PLUS credit score, which is different from the FICO score most lenders use.
M*3
39 楼
You are right... Now I kinda regret I did the Amex check, as it results in pulling of my credit score. I can however pay on Amex to see the score from the other 2 places (Equifax and Trans Union). Is FICO score one of them?
which
【在 r*********r 的大作中提到】 : The free credit score provided by AMEX is Experian PLUS credit score, which : is different from the FICO score most lenders use.
a*r
40 楼
If you really want to see your FICO score, go to myFICO.com instead of pulling by American Express. Also, you can get all three scores with a lender when you ask for a pre-approval letter. No need to buy three scores individually.
【在 M**3 的大作中提到】 : You are right... : Now I kinda regret I did the Amex check, as it results in pulling of my : credit score. I can however pay on Amex to see the score from the other 2 : places (Equifax and Trans Union). Is FICO score one of them? : : which
K*S
41 楼
my credit score is always around 710-730 but that didn't stop me from getting car loan (promotion APR) and house mortgage (normal APR). The overall loan/networth percentage, the tendency to borrow money and the ability to pay it back on time are more important.