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Contributor
ecalmese
Posts: 153
Registered: ‎01-24-2013

Re: Check your Credit Sesame updated


petarap wrote:

@ecalmese: It has been said in this forums that people can't get their Experian FICO score anywhere. You can only get EX FICO Score when lenders pull it. The Credit Sesame score is non-FICO Score.


i know its not the real fico score. i know its an fako score. my question is how close is it to the real fico score +/-

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Frequent Contributor
isoldmyatlas
Posts: 341
Registered: ‎04-28-2012

Re: Check your Credit Sesame updated

Finally updated!  Went from 730 to 733.  The only noticeable account changes I've had were a $500 CLI and 3 inqs from October hitting the 6 month point.

TU: 758 (5/13/14) | EQ: 777 (7/6/14) | EX: 762 (4/6/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $5,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/13); Chase Hyatt, $7,000 (09/13)
Contributor
petarap
Posts: 75
Registered: ‎08-28-2008

Re: Check your Credit Sesame updated

@ecalmese: I don't know my recent experian score. So, I'm not sure how the score is closer to FICO score. But, people have mentioned that not to pay much attention to non-FICO scores.

___________________________________________________________________________
Recent Scores: 754 Walmart TU 3/4/2014, 782 Credit Sesame : 2/3/2014, 739 Credit Karma 2/26/2014
-----------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Macy's Amex $6,000
Walmart Store Card $2,900, Cap One(card 1) $2,500, Cap one(card 2) $2,250,
BOA $2000,Cap one (card 3) $1,300 Sears Citi MC $1,000
Contributor
ecalmese
Posts: 153
Registered: ‎01-24-2013

Re: Check your Credit Sesame updated


petarap wrote:

@ecalmese: I don't know my recent experian score. So, I'm not sure how the score is closer to FICO score. But, people have mentioned that not to pay much attention to non-FICO scores.


i feel like i should cancel my credit sesame account if the scores dont matter much; but my obsession with credit scores and seeing improvement will not let me

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011

Re: Check your Credit Sesame updated

MIne finnaly updated as well.  681->719 due to lower utility.  Just a couple of months for my last two derogs to fall off and 750 here I come!
ecalmese wrote:

petarap wrote:

@ecalmese: I don't know my recent experian score. So, I'm not sure how the score is closer to FICO score. But, people have mentioned that not to pay much attention to non-FICO scores.


i feel like i should cancel my credit sesame account if the scores dont matter much; but my obsession with credit scores and seeing improvement will not let me


It's free and a good way to keep track of your report for well, free.  The score is a FAKO but can be pretty accurate.  For clean reports it's very accurate.  The more derogs on your CR the less accurate it tends to be.  There have been some fairly length correlations done between creditsesame and Experian FICOs via PSECU.

Contributor
petarap
Posts: 75
Registered: ‎08-28-2008

Re: Check your Credit Sesame updated

@ecalmese: You don't have to cancel. If you see the scores are increasing or at least being constant, then it is definitely a good sign. And as boomhower mentioned, it's free.

___________________________________________________________________________
Recent Scores: 754 Walmart TU 3/4/2014, 782 Credit Sesame : 2/3/2014, 739 Credit Karma 2/26/2014
-----------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Macy's Amex $6,000
Walmart Store Card $2,900, Cap One(card 1) $2,500, Cap one(card 2) $2,250,
BOA $2000,Cap one (card 3) $1,300 Sears Citi MC $1,000
Contributor
ecalmese
Posts: 153
Registered: ‎01-24-2013

Re: Check your Credit Sesame updated

Would you say it's probably a +/- 20 point difference or is there literally no telling what the score difference is?
Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Contributor
petarap
Posts: 75
Registered: ‎08-28-2008

Re: Check your Credit Sesame updated

Not sure on the difference. Someone who has EX FICO scores can throw some light.

___________________________________________________________________________
Recent Scores: 754 Walmart TU 3/4/2014, 782 Credit Sesame : 2/3/2014, 739 Credit Karma 2/26/2014
-----------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Macy's Amex $6,000
Walmart Store Card $2,900, Cap One(card 1) $2,500, Cap one(card 2) $2,250,
BOA $2000,Cap one (card 3) $1,300 Sears Citi MC $1,000
Established Member
cappaccinodagreat
Posts: 18
Registered: ‎05-11-2011

Re: Check your Credit Sesame updated

FYI.......... Credit Sesame has me at 625 today. I got my Experian "Plus" score today, and it was 597.


Starting Score: March 2013 = EQ 606 - TU 558 - EX 570
Current Score: EQ 613 TU 635 EX 628
Goal Score: 700s

Take the myFICO Fitness Challenge


Contributor
ecalmese
Posts: 153
Registered: ‎01-24-2013

Re: Check your Credit Sesame updated


cappaccinodagreat wrote:

FYI.......... Credit Sesame has me at 625 today. I got my Experian "Plus" score today, and it was 597.


thank you;

 

those are the type of differences i'm wanting to know. so its off on average by 30 points it seem?

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!

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