This Experian credit score is either that "equivalent" that Experian dreamed up or a Vantage 3.0 all three CRAs came up with. Either way, it is bogus. Their equivalent score was to go against FICO. It never took off and it doesn't work. No one uses Vantage 3.0. Less than 10% anyway. These things hold hard credit pulls against you the full two years; FICO phases them don after a year. Vantage 3.0 would have you believe you need 10 (!!) credit cards or they rate you POOR in that department. HUH? FICO uses your total account payment picture but doesn't require 10 or more. How about a FICO score from USAA instead of those FAKOs??