How can this be....?

[strive4credit]

I just signed up with myfico after weeks of procrastination. I know a little something about credit and I know what is on my credit so I wasn't too concerned about my scores. But curiosity.....well.

But I was shocked to see my scores in the 700's (Eq 737 TU 730) with my utilization so high. Has the scoring model changed? I have 3 closed accounts with balances over that 30% mark. Other than that, no lates, judgements, or collections and a nice mix of credit.

I may have answered my own question but any insight is appreciated....by the way whats up with the Experian score. That one would be my lowest score anyway.

[chane]

The scoring model hasn't changed as far as I know. Experian decided to stop allowing consumers to access their FICO scores via myFICO.com.

It's just another bullshit move by Experian - the worst credit bureau ever. It should be illegal for them to provide a score to lenders that the consumer can't see. It's definitely not fair to consumers.