I have been going to Experian Website for Vantage scores (FAKO) and is wondering the Best site to pull my Experian that would be close or 10 points less the FICO score lenders pull? I would really like to know and do not want to use the lender because of hard inquiries.
CreditSesame.com would be my choice. It is still a FAKO score though, and some have claimed that it was close to their true EX FICO, and others have claimed a big difference, so definitely YMMV. The score I get from CreditSesame has always been fairly close to my true EX FICO score.
Datx, thank you for the infor, I will give creditSesame a try
Credit sesame gives you a FAKO score that updates once a month. Unfortunately only place to get your real FICO is through a lender pull, or if you happen to belong to a certain CU in Pennsylvania. Good Luck!
Credit sesame has been accurate to plus or minus ten points of my lender pulled report.
It was off by 72 on my Amex pull.
Very bad advise to assume that CreditSesame will relate to a real FICO score in any predictable way. Anecdotal similar scores don't mean they are closely related. The algorithms are very different. Accounts are included or excluded differently. A single change to your EX info will only move the two scores in the same DIRECTION about 70% of the time. In other words, it is common for one to go up when the other goes down.
Recently mine was off by 58 points compared to my EX FICO on an Amex pull.
I've been using the Experian web site for a little over two months. My credit score with them was a 660, and I guess that was a FAKO. I refinanced my car today and the lender pulled a 652. Coincidently, it was the Anheuser Busch Employee Credit Union, and they only pull Experian. I was pretty lucky because that was my high score. I'd been denied several times in the last 70 days by my credit union, First Community Credit Union (twice including posting a $1000 CD as collateral with my car having 40% LTV) and a company out of Dallas that haphazerdly applied to a handful of lenders causing my credit inquiries to go through the roof. I was able to knock my rate down from the Capital One Auto rate of 8.15% to 5.25%. If you have an average or better than Experian score, I would definetely look into ABECU.
I pulled EX FAKO back in April it was 667 as shown in my signature, but as I get closer to mortgage application I want to make sure I am on the right path and do not want a hard pull that may drop my FICO score.
I am aware that Credit Saseme or EX are both FAKOs,but I wanted to know how close the FAKO's would be to the actual FICO score. With 2 months let before I apply I would not like to add an inquiry to my report.