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@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 +/-
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.
@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.
@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
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.
@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.
Not sure on the difference. Someone who has EX FICO scores can throw some light.
FYI.......... Credit Sesame has me at 625 today. I got my Experian "Plus" score today, and it was 597.
@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?