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Frequent Contributor
Posts: 424
Registered: ‎07-06-2012
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Re: Does anyone know if credit sesame is accurate?

Yup, I mean at least I can get an idea about where I am with this stuff.  I am really working it.  NOW I will do two more PFD and that'll leave two.  The two left are from almost 6 years ago.  GOD i wish I had done this sooner.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Does anyone know if credit sesame is accurate?


LoveGoodCredit wrote:

Yup, I mean at least I can get an idea about where I am with this stuff.  I am really working it.  NOW I will do two more PFD and that'll leave two.  The two left are from almost 6 years ago.  GOD i wish I had done this sooner.


I mean, you can always purchase a FICO from here... at least the Equifax is stlil what lenders use.. so you could have a feel for what THAT score is at least

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Frequent Contributor
Posts: 424
Registered: ‎07-06-2012
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Re: Does anyone know if credit sesame is accurate?

Yes I do get them from here.  My equifax is horrible but thank god for middle scores.  :smileyhappy:



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: Does anyone know if credit sesame is accurate?


LoveGoodCredit wrote:

My experian jumped 33 points and is up to 622 PTL!   But, is it accurate?


I know it varies but in my case credit sesame is near identical to my EX fico according to Amex.

100% Ficos: EX 773 , TU 780, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 424
Registered: ‎07-06-2012
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Re: Does anyone know if credit sesame is accurate?

I do know I checked my experian report and they did a pull when mine was updated.  CreditKarma is accurate.  I called Transunion and got my score from them because I am on a trial period for their monitoring system and  their score was the exact same as creditkarmas vantage score.  In fact they both changed the same day.



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
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Re: Does anyone know if credit sesame is accurate?

I use CK and CS as temprature gauges weekly and pull myFico once every 3 months for a snapshot.  CK has been more or less 10 plus/minus.  CS, not so sure.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
New Member
Posts: 2
Registered: ‎10-11-2012
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Re: Does anyone know if credit sesame is accurate?

Hello everybody, I work for Credit Sesame and wanted to let you know that we use a score known as the Experian National Equivalency score. This score comes directly from Experian and is intended to give you an overvall view of your credit standing. Considering there are 49 FICO scores available, it is rare any two scores will be the same. 

 

Instead of viewing only the score, we recommend also viewing the category your score falls in (Fair, Good, Excellent etc.) to get a better understanding of your credit rating.

 

Feel free to use me as a resource for any Credit Sesame related questions. 

Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: Does anyone know if credit sesame is accurate?


CreditSesame wrote:

Hello everybody, I work for Credit Sesame and wanted to let you know that we use a score known as the Experian National Equivalency score. This score comes directly from Experian and is intended to give you an overvall view of your credit standing. Considering there are 49 FICO scores available, it is rare any two scores will be the same. 

 

Instead of viewing only the score, we recommend also viewing the category your score falls in (Fair, Good, Excellent etc.) to get a better understanding of your credit rating.

 

Feel free to use me as a resource for any Credit Sesame related questions. 


The quesiton was; how accurate is the score?

 

FICO scores, are used by lenders. Can you point out a lender that uses the Experian National Equivalency score?

 

The score provided is not used by any lender and should be used for educational purpose, and therefor, has a 0 percent accuracy in my estimation because it used by 0 percent of lenders. 

 

While it is true that there are 49 FICO scores, less than 10 are used on a regular basis, and a small amount of education will help you make decisions on which FICOs are most used and in what terms.

 

I don't think the question was is Credit Sesame a worthwhile site, or if you should use it to vaguely guage credit worthiness. On this forum,  a Fico forum, when people ask if a score is accurate,  they are comparing it to a FICO.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor
Posts: 52
Registered: ‎09-20-2012
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Re: Does anyone know if credit sesame is accurate?

CreditSesame, thanks for joining. You will be an invaluable resource. Thank you.

Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
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Re: Does anyone know if credit sesame is accurate?

CreditSesame,

 

I would also like to thank you for joining and being a resource.

 

I think the benefit of CreditSesame.com is in the information in the reports and the ways to get better deals on replacement or new financing.

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