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Frequent Contributor
Posts: 484
Registered: ‎02-28-2013
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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: 659, EQ: 622, TU: 659
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Posts: 9,125
Registered: ‎06-19-2013
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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 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 786 Fako 808 Creditkarma 5/11/15
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Credit Sesame & Experian FICO on myFICO

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

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New Contributor
Posts: 58
Registered: ‎09-22-2009
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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

Member
Posts: 6
Registered: ‎04-12-2013
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Re: Credit Sesame & Experian FICO on myFICO

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

Moderator
Posts: 13,897
Registered: ‎04-15-2011
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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
Posts: 363
Registered: ‎06-25-2013
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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-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-742, Sallie Mae FICO-756
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Established Member
Posts: 38
Registered: ‎02-09-2011
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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
Posts: 83
Registered: ‎07-27-2013
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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
Posts: 1,486
Registered: ‎08-30-2011
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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. 

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EX = 818 EQ = 823 TU = 822 as of 07/15
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