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Does anyone know if credit sesame is accurate?

Frequent Contributor

Does anyone know if credit sesame is accurate?

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



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

21 REPLIES
Valued Contributor

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?


No; Credit Sesame uses a FAKO score; and any point increases may or may not by similar with a FICO score..

 

What caused the score movement?

 

-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
Valued Member

Re: Does anyone know if credit sesame is accurate?

Mine is nearly 100 points different than my lender pulled score. Definitely not reliable in my case.
Valued Contributor

Re: Does anyone know if credit sesame is accurate?


Jaade wrote:
Mine is nearly 100 points different than my lender pulled score. Definitely not reliable in my case.

Agreed. Mine was about 50 points LOWER actually. I lucked out but I never look at FAKOS these days. I cancelled all my CMS.

 

-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

Re: Does anyone know if credit sesame is accurate?

Hey guys,


My guess would be 3 total collections removed.

 

2 lines of credit paid on time for 4 months, I thought it was longber but I guess not.

 

And another collection in dispute that is going to be PFD.

 

And it hasnt changed in such a long time.  I contacted them and they told me they get their point system directly from Experian.  I dont have an experian score to compare it to tho.



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

Re: Does anyone know if credit sesame is accurate?

its never a number to trust or rely on, but its nice to keep track. My CS last month for EX was 655, my apartment pulled it that weekend and it was identical 655... thats a rare situation but I use it simply for account info. not score. I wish mine was accurate this month because CS went up 33 points haha I dont have any pulls coming anytime soon, so I'll never know, but just use it for information, not the score, and youll be fine.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Moderator Emeritus

Re: Does anyone know if credit sesame is accurate?

60 points difference for me.  I just use it to see if anything changes.  As far as scores goes, not even close.

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.
Contributor

Re: Does anyone know if credit sesame is accurate?

It is a FAKO. Experian stopped provided FICO Classic II to consumers several years ago. Short of applying for for a mortgage or some other line that you know will pull Experian, it's close to impossible to obtain an Experian FICO these days.

 

Personally, I just call up my credit union and have the loan officer there pull a trimerge once per year. It's straight FICO scores from all three bureaus and it costs me $11

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

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Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor

Re: Does anyone know if credit sesame is accurate?

Thank you guys!  I guess I can just imagine it is going up tho if it is going up on there.  Maybe not correct but at least moving up and not going the other way!  So until I apply for a mortgage I guess experian will be a mystery.  Smiley Sad



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

Moderator Emeritus

Re: Does anyone know if credit sesame is accurate?

Even though they are FAKOS it still feels good to see those scores go up!

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.