Jan 1 2022, 12:00 PM
QUOTE(GTA5 @ Jan 1 2022, 11:54 AM)
Owh they aren't the same?
I previously bought reports from CTOS, then these 2 years I changed to Experian (due to cheaper and promos)
I thought they were the same (as in Credit score companies offering credit reports)
No. Experian gives you gamification with the scoring number but different banks will have diff criterias.I previously bought reports from CTOS, then these 2 years I changed to Experian (due to cheaper and promos)
I thought they were the same (as in Credit score companies offering credit reports)
Which is why some banks reject while some approve. The scoring by Experian is just a in-house rating of your credit score by Experian.
What banks see is if your payment, total loans, monthly commitment then use those data to input into their own criteria. The number Experian shows you is basically useless
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