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Credit score of 853?!?

Regular Contributor

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)
Message 1 of 8
7 REPLIES
Moderator Emerita

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
Message 2 of 8
Moderator Emeritus

Re: Credit score of 853?!?

Yep, the Experian auto loan FICO score uses a scale that goes from 250-900.
Message 3 of 8
Valued Member

Re: Credit score of 853?!?

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
Message 4 of 8
Valued Contributor

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).

Message 5 of 8
New Contributor

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


Take the FICO Fitness Challenge
Message 6 of 8
Moderator Emeritus

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.

Message 7 of 8
Moderator Emeritus

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.
Message 8 of 8