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Established Contributor
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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?


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Current Score: EX: 659, EQ: 622, TU: 659
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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 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
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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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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

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Re: Credit Sesame & Experian FICO on myFICO

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

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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.

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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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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.

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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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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
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