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Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008

Credit score of 853?!?

I work at a bank, and when pulling a clients auto loan, I saw her credit score.  It was a 853!  How is that possible?  Is it a score outside of FICO?
Score Watch: EQ 767 (6/30/09)
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Credit score of 853?!?

It's probably an auto-enhanced FICO score. I think they work on a different scale, with a higher top score.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Lel
Posts: 5,268
Registered: ‎03-18-2008

Re: Credit score of 853?!?

Yep, the Experian auto loan FICO score uses a scale that goes from 250-900.
Valued Member
fast2
Posts: 34
Registered: ‎01-12-2010

Re: Credit score of 853?!?

[ Edited ]

1 Equifax (FICO-based) BEACON (300-850)

2 Equifax (Equifax-based) Equifax’s ScorePower (300-850)

3 Equifax (VantageScore-based) Vantage Score (501-990) 

 

4 Experian (FICO-based) Experian/Fair Isaac Risk Model (300-850)

5 Experian (Experian-based) Experian’s PLUS score (330-830)

6 Experian (VantageScore-based) Vantage Score (501-990)

7 Experian auto loan FICO score (250-900) 

 

8 TransUnion (FICO-based) FICO Risk Score, Classic (300-850)

9 TransUnion (TransUnion-based) TransUnion’s TrueCredit score (400-925)

10 TransUnion (VantageScore-based) Vantage Score (501-990)

 

11 Proprietary scoring models developed by large lenders

12 Proprietary scoring models developed by major credit card issuers

13 Proprietary scoring models developed by others.

 

I'm new here, and I just put the above together.  Did I miss anything?

Message Edited by fast2 on 01-12-2010 01:38 PM
Valued Contributor
Jazzzy
Posts: 2,672
Registered: ‎07-29-2009

Re: Credit score of 853?!?

I know that TU has a TransRisk score. I get it free through my Sears Citi card.

 

Also, I believe there are 2 TU Classic scores...the one we get here, and then the one pulled by most lenders. Ours here is an older model. They might be 98 and 04 (I didn't look that up...it's a guess).

New Contributor
750Lady
Posts: 59
Registered: ‎01-23-2009

Re: Credit score of 853?!?

I heard the "Free Credit Report.Com" score was a fake score, is it a FICO score? 

750 LADY

2010 Original Goal 750

Starting Score: EQ 1/2010, 699; EXP 12/09, 723; TRANS 11/09, 710
Current Score(Updated from tri-merge mtge 1/21/11): EQ 1/11, 729; EXP 1/11, 759; TRANS 1/11, 731
Goal Score: EQ 12/2011, 800; EXP 12/2011, 800; TRANS 12/2011, 800


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Lel
Posts: 5,268
Registered: ‎03-18-2008

Re: Credit score of 853?!?


750Lady wrote:

I heard the "Free Credit Report.Com" score was a fake score, is it a FICO score? 

750 LADY


It is not a FICO score.

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llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: Credit score of 853?!?


Lel wrote:

750Lady wrote:

I heard the "Free Credit Report.Com" score was a fake score, is it a FICO score? 

750 LADY


It is not a FICO score.


 

Specifically, it is a PLUS score.

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