03-08-2013 10:59 AM
I received an alert this morning that I had a score change from CreditSesame. That's fine, but I don't want to pay them for the score. I refreshed my CreditKarma scores instead to confirm and the TransRisk score went up from 718 to 756 and my Vantage score went from 748 to 896! I am hoping that I will get an alert from MyFico showing the paydown on my Cap1 account and a score increase here as well.
Anyway, I digress. I wanted to check my rate at Prosper.com since I would like to refinance my LendingClub loan to a lower rate at some point. The score they are quoting me that they are using is from Experian and it shows 804!! I have NEVER had a score (either real or FAKO) above 771! Is this an accurate score that any other lender uses? Thanks, MKW
03-08-2013 09:12 PM
AFAIK they are the only ones that I know of that use the ScoreX Plus FAKO. When compared to a mortgage EX pull a month apart, my ScoreX Plus was roughly 60 off, but certainly YMMV.