Credit Sesame vs. Credit.com

Anonnamus · ‎07-22-2013

I recently signed up for both programs, not realizing both use EX. One score is 568, the other is 646. Is it normal for FAKO scores to vary that much? Also, the info appears to be different. Credit.com has my credit cards included, while Credit Sesame appears to have none. I am slightly freaking out that something has happened over the past few days to cause my score to drop that drastically. Thanks for your help!

kroberts67 · ‎07-22-2013

Pretty interesting that Credit Sesame uses EX because the score they give me is the same as my TU FICO, exactly to the "T". Not a digit off... eerie.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

kroberts67 · ‎07-22-2013

And yes it is common for the FAKOS to vary as they all use their own scoring system.

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

Shogun · ‎07-22-2013

@kroberts67 wrote:
And yes it is common for the FAKOS to vary as they all use their own scoring system.

+1

They use their own scoring system. They weigh things differently.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Anonnamus · ‎07-22-2013

Thank y'all for the quick reply! I feel much better about the differing scores now.