Reply
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

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



Member
Posts: 14
Registered: ‎05-15-2013
0

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
New Contributor
Posts: 68
Registered: ‎05-23-2013
0

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
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

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
Established Contributor
Posts: 579
Registered: ‎01-31-2008
0

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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.