Unexpected Experian Score

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Unexpected Experian Score

Postby Cedd » Mon Feb 24, 2014 3:57 pm

I have been lurking here for a while and eventually decided to check my Experian score. I was genuinely shocked to get this score:

"Your current Experian Credit Score

24 February 2014


Most lenders would regard this score as very low risk and would expect very few people in this category to experience serious problems with repaying credit. "


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Postby darkguy2 » Mon Feb 24, 2014 5:09 pm

That is a mistake. The highest score you can get is a 830. Do you have a credit history?
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

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Location: England

Postby Cedd » Mon Feb 24, 2014 5:21 pm

Yes, a long credit history. I am 45 and have been economically active for many years! Perhaps Experian in the UK is different to the US? But why would 830 be the maximum? Seems a pretty random number...

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Postby otter » Mon Feb 24, 2014 6:24 pm

Actually, I believe the highest FICO score one can get is 850, not 830. I don't believe they use FICO scoring in the UK, though. Two of the three US credit bureaus are part of the UK "big three" (their big three being Equifax, Experian, and Call Credit). If Equifax and Experian had their way, the US would stop using FICO and go with the Vantage Score (which they both helped to develop), so just because it's a score from Experian does not mean that it is a true FICO score... FICO might mean nothing in other nations.

Keep in mind that a credit score in the US is different than a credit score oversees. Part of that is that every country has different credit laws-some more lenient than the US and some more stringent. Things which might be a key component in American FICO scores could be illegal in other nations and things which are part of another country's credit scoring might be illegal here.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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