topic Anybody used Score Sense? in Understanding FICO® Scoring

Anybody used Score Sense?

Anonymous — Mon, 11 Jun 2018 13:02:38 GMT

I keep seeing their ads on Facebook. They give no indication of their scoring model. There is no mention of Vantage, FICO8 or FICO9.

Who are they and what scores are they offering? TIA

Re: Anybody used Score Sense?

Anonymous — Mon, 11 Jun 2018 14:59:01 GMT

I just went to the Terms and Conditions page for SS, and did a search for the word FICO. I found this sentence immediately:

"You further acknowledge and agree that any credit scores provided to you as part of the Services are not FICO scores."

You may also find this article of value:

https://www.cleveland.com/consumeraffairs/index.ssf/2014/11/scoresense_to_repay_22_million.html

Re: Anybody used Score Sense?

Anonymous — Mon, 11 Jun 2018 15:27:16 GMT

Thanks CGID.

It smelled horrible and the link you provided confirmed it.

Re: Anybody used Score Sense?

arkane — Tue, 12 Jun 2018 01:24:33 GMT

@Anonymous wrote:
I just went to the Terms and Conditions page for SS, and did a search for the word FICO. I found this sentence immediately:

"You further acknowledge and agree that any credit scores provided to you as part of the Services are not FICO scores."

You may also find this article of value:

https://www.cleveland.com/consumeraffairs/index.ssf/2014/11/scoresense_to_repay_22_million.html

Not only that but they also repeatedly spell "guarantee" wrong. Just do a search for "guaranty" in the Terms and Conditioms pdf, it's absolutely hilarious.

Re: Anybody used Score Sense?

Thomas_Thumb — Tue, 12 Jun 2018 01:53:28 GMT

@Anonymous wrote:
I keep seeing their ads on Facebook. They give no indication of their scoring model. There is no mention of Vantage, FICO8 or FICO9.

Who are they and what scores are they offering? TIA

In 2017 Score Sense changed to VantageScore 3.0. My recollection is they were using a score that scaled from 350 to 850 prior to that change (CE credit score by CE Analytics)

I do not recommend this service. They do a great job of selling your information to 3rd parties.