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Frequent Contributor
sghosh5
Posts: 455
Registered: ‎02-28-2013

Credit Sesame & Experian FICO on myFICO

for some reason my Experian FICO score here and credit sesame score both almost match. Guess the calculation Credit Sesame uses is identical to FICO? Does any one here check Credit Sesame score?


Starting Score: EQ: 499 (02/2013)
Current Score: EX: 694, EQ: 668, TU: 706
Goal Score: 750

CHASE Freedom: $1K, CHASE Sapphire: $5K, Barclay Arrival+: $5K, Cap One Venture:$3K,Cap One QS: $3K, AMEX BCE(AU):$3.9K, AMEX BCE: $1K, AMEX Green, AMEX PRG, Discover(AU): $4.7K, DISCOVER IT: $1.5K, CITI Platinum Select(AU):$2.8K, Southwest Premier: $2K, Express:$500, Paypal SC: $2.8K, Amazon Store: $2.1K, Macys:$6.3K, Walmart: $950
Senior Contributor
mongstradamus
Posts: 3,617
Registered: ‎06-19-2013

Re: Credit Sesame & Experian FICO on myFICO


sghosh5 wrote:

for some reason my Experian FICO score here and credit sesame score both almost match. Guess the calculation Credit Sesame uses is identical to FICO? Does any one here check Credit Sesame score?


that may be coincedental , the creditsesame fako score i get is about 50 points different then experian myfico fico score. I consider that to be quite an huge difference. 



EX Fico 770 5/12/2014 Fako 806 CS/Credit.com 7/23/14
EQ SW 807 quizzle fako 796 7/19/14
TU Fico 804 7/24/2014 Fako 751 Creditkarma 7/12/2014
Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Credit Sesame & Experian FICO on myFICO

I pulled my EXP Fico from here last month and it was 725. Credit sesame was 722.

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
New Contributor
TG76
Posts: 58
Registered: ‎09-22-2009

Re: Credit Sesame & Experian FICO on myFICO


sghosh5 wrote:

for some reason my Experian FICO score here and credit sesame score both almost match. Guess the calculation Credit Sesame uses is identical to FICO? Does any one here check Credit Sesame score?


My Sesame score is 86 points higher than the one I got from here a few weeks ago,  that's a huge Difference and I have no idea why. So in my case I guess the calculation is way off :smileytongue:

Member
Calster
Posts: 5
Registered: ‎04-12-2013

Re: Credit Sesame & Experian FICO on myFICO

FWIW, for me, my  MyFico Experian:  756; Credit Sesame:  688,  Absolutely no correlation.  

Moderator
Shogun
Posts: 12,892
Registered: ‎04-15-2011

Re: Credit Sesame & Experian FICO on myFICO

I don't put much into there score.  EX FICO lender pull 806,  CS was at 755.  After one new account and 3 recent Inqs, CS showed a drop to 674...  In the Analysis it says...  "Well, it's not the lowest we've ever seen".  I fount that amusing.


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+

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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!
Frequent Contributor
Steelersboy
Posts: 343
Registered: ‎06-25-2013

Re: Credit Sesame & Experian FICO on myFICO


sghosh5 wrote:

for some reason my Experian FICO score here and credit sesame score both almost match. Guess the calculation Credit Sesame uses is identical to FICO? Does any one here check Credit Sesame score?


probably coincidence, my fico experian is 728, cs is 731, and Experian is 715, so i doubt it.

 
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FICO Equifax-727, FICO Transunion-729, FICO Experian-740, Walmart FICO-754
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Member
rollerkosh
Posts: 33
Registered: ‎02-09-2011

Re: Credit Sesame & Experian FICO on myFICO

Sesame does an ESTIMATE. they even say so in their FAQs. they estimate how much your estimated score is according to Lenders. This is why its free.

Contributor
elvigy
Posts: 83
Registered: ‎07-27-2013

Re: Credit Sesame & Experian FICO on myFICO

[ Edited ]

As another data point, my EX FICO was 800 according to Amex while creditsesame had me at 801. So pretty close. However, Quizzle (which I think also pulls Experian) had me at 695. So there's that, for whatever it's worth.

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Valued Contributor
thom02099
Posts: 1,317
Registered: ‎08-30-2011

Re: Credit Sesame & Experian FICO on myFICO

Coincidental, I believe, but my CS score vs MyFICO score vs CreditSecure from AMEX are all within 5 points of each other, with FICO being the highest and CS being 5 points lower. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014

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