topic Re: Credit Score Question in Credit Cards

Credit Score Question

Anonymous — Tue, 20 Aug 2013 04:53:48 GMT

On CreditKarma my credit score is 649 but on CreditSesame it's 736. I've recently got my free credit reports but only paid for the Equifax score which was 705. Are the creditkarma and Creditsesame the other bureau scores? If so why is it such a drastic difference between scores?

Thanks in advance!!

Re: Credit Score Question

myjourney — Tue, 20 Aug 2013 04:56:21 GMT

@Anonymous wrote:
On CreditKarma my credit score is 649 but on CreditSesame it's 736. I've recently got my free credit reports but only paid for the Equifax score which was 705. Are the creditkarma and Creditsesame the other bureau scores? If so why is it such a drastic difference between scores?

Thanks in advance!!

CK is a snapshot of TU

CS is a snapshot of EX

Both are FAKO scores

Re: Credit Score Question

mikey78 — Tue, 20 Aug 2013 04:57:01 GMT

I know CK is based off TU
Imma take a shot and say creditsasame is based off EQ??

Re: Credit Score Question

09Lexie — Tue, 20 Aug 2013 05:19:45 GMT

myjourney is correct. Credit Karma is TU based and Credit Sesame is EX. Both are FAKOS. Use them for inq's and nothing else. IMO

Re: Credit Score Question

Luscher — Tue, 20 Aug 2013 05:22:43 GMT

credit.com is a nice site, you may want to check out. kinda like CK and CS

Re: Credit Score Question

stevenngu92 — Tue, 20 Aug 2013 07:36:12 GMT

fwiw.

Credit Karma - TU (Pull Every Week)

Credit Sesame - EX (Pull Every Month)

Credit - EX (Pull Every Month)

Quizzle - EX (Pull Every 6 Months)

Re: Credit Score Question

KIPPIE12 — Tue, 20 Aug 2013 13:13:12 GMT

Pull your "true" scores here. These are FICO scores, not FAKO, and are accurate to the day.

Re: Credit Score Question

Anonymous — Tue, 20 Aug 2013 15:52:20 GMT

@KIPPIE12 wrote:
Pull your "true" scores here. These are FICO scores, not FAKO, and are accurate to the day.

Yes, but they are not necessarily what the lenders see, because of version differences (both in release version and whether an enhanced score is used) so in many ways not really different from FAKOs.

There are advantages in going to the CRA in some cases, e.g. Equifax has a FICO score available on its site, and the report from there will contain soft pull information.

The TU 98 score here is not widely used.

Re: Credit Score Question

revvystoke — Tue, 20 Aug 2013 16:36:38 GMT

Credit sesame has free daily monitoring of your report

"We monitor your credit on a daily basis and we'll alert you when we find important changes on your credit report. Most users receive between 5 and 10 credit monitoring alerts per month."

I have gotten alerts anytime a balance is reported, inq's are added or removed as well as cl updates in the past two weeks. Reports just as fast, if not faster then my EQ report (scorewatch)