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Credit Sesame & Experian FICO on myFICO

Established Contributor

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
Current Score: EX: 632, EQ: 612, TU: 659
CHASE Freedom: 2K, CHASE Sapphire: 5.5K, Amazon Prime: 500, Barclay Arrival+: 4.3K, CapOne: $6.7K, AMEX BCE: 1K, WellsFargo: 300, DISCOVER IT: 2K, CITI Double Cash:2.8K, Express: 2.5K, Paypal: 4.1K, Amazon: 3.5K, Macys: 2.7K, Walmart: 3.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Travel Rewards: 500, Cheapoair: 1K, ToysRUs: 2k, CreditOne: 500,
Citi ThankYou Preferred: 500
Message 1 of 12
11 REPLIES
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 12
Established Contributor

Re: Credit Sesame & Experian FICO on myFICO

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

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 3 of 12
New Contributor

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 Smiley Tongue

Message 4 of 12
Member

Re: Credit Sesame & Experian FICO on myFICO

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

Message 5 of 12
Moderator Emeritus

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+
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.
Message 6 of 12
Frequent Contributor

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.


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$85,300 total card credit FICO Equifax-816, FICO Transunion-769, FICO Experian-769, DTI-20.4%
Message 7 of 12
Established Member

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.

Message 8 of 12
Contributor

Re: Credit Sesame & Experian FICO on myFICO

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.

Amex BCP | Barclaycard Arrival WMC | Chase Slate | Discover IT
Message 9 of 12
Valued Contributor

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. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 10 of 12