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Credit.com FICO "Estimate" Accuracy

Frequent Contributor

Credit.com FICO "Estimate" Accuracy

For a while I'd been trying to register at Credit.com.  Finally it let me and I was given the standard FAKO but beneath it was a button to show FICO and Vantage Score estimates.  The Vantage differs +11 points above my CK Vantage but what really caught my eye was the FICO estimate: a 733.  In December Amex cited a TU 680 so it's quite surprising to see this at 733.  

 

So my question is, how close to any FICO is the estimate, and which variety of FICO (Beacon 5, 08, etc...) does it most closely match?  I realize it's an estimate which means FAKO but still curious.

 

Thanks.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Message 1 of 5
4 REPLIES
Member

Re: Credit.com FICO "Estimate" Accuracy

FYI and this is just one snapshot... myFICO EQ pull last week was 727, credit.com today estimated FICO was 730. So it looks pretty good for me, but they have slightly different details from my credit report from myFICO, (e.g. 1 hard pull v 2, etc..)


Starting Score: 680
Current Score: 727
Goal Score: 800
Message 2 of 5
New Contributor

Re: Credit.com FICO "Estimate" Accuracy

In my experience, the Credit.com estimate was nearly spot on with my EQ score.

| $8k | | $8k | | $6.5k | | $4k | | $2k | | $500 |

Baseline (5/1/2013) - EX 580 | TU 599 | EQ 599 * Goals - EX 750 | TU 750 | EQ 750
Current (6/10/2013) - EX 719 | TU 722 | EQ 737
Message 3 of 5
Established Contributor

Re: Credit.com FICO "Estimate" Accuracy

Since Credit.com gives you an Experian credit score, shouldn't the estimated FICO be Experian also?


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 4 of 5
Established Contributor

Re: Credit.com FICO "Estimate" Accuracy

Speaking of credit.com, I recently signed up but it won't show me anything...anytime I go to the dashboard it says that I failed verification questions, even though I was never asked any.  I then click to answer a new set, put in my address, BD, and SSN, and it says they can't do anything right now.  Did anyone else experience this?  I saw the OP had mentioned that there were issues when signing up.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Message 5 of 5