https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Prosper-Experian-Score-with-Rate-Check/m-p/1938939#M69937 <P>I received an alert this morning that I had a score change from CreditSesame.&nbsp; That's fine, but I don't want to pay them for the score.&nbsp; I refreshed my CreditKarma scores&nbsp;instead to confirm&nbsp;and the TransRisk score went up from 718 to 756 and my Vantage score&nbsp;went from 748 to&nbsp;896!&nbsp; 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.</P><P>&nbsp;</P><P>Anyway, I digress.&nbsp;&nbsp;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.&nbsp; The score they are quoting me that they are using is from Experian and it shows 804!!&nbsp; I have NEVER had a score (either real or FAKO) above 771!&nbsp; Is this an accurate score that any other lender uses?&nbsp; Thanks,&nbsp; MKW</P> Fri, 08 Mar 2013 18:59:54 GMT Anonymous 2013-03-08T18:59:54Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Prosper-Experian-Score-with-Rate-Check/m-p/1938939#M69937 <P>I received an alert this morning that I had a score change from CreditSesame.&nbsp; That's fine, but I don't want to pay them for the score.&nbsp; I refreshed my CreditKarma scores&nbsp;instead to confirm&nbsp;and the TransRisk score went up from 718 to 756 and my Vantage score&nbsp;went from 748 to&nbsp;896!&nbsp; 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.</P><P>&nbsp;</P><P>Anyway, I digress.&nbsp;&nbsp;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.&nbsp; The score they are quoting me that they are using is from Experian and it shows 804!!&nbsp; I have NEVER had a score (either real or FAKO) above 771!&nbsp; Is this an accurate score that any other lender uses?&nbsp; Thanks,&nbsp; MKW</P> Fri, 08 Mar 2013 18:59:54 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Prosper-Experian-Score-with-Rate-Check/m-p/1938939#M69937 Anonymous 2013-03-08T18:59:54Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Prosper-Experian-Score-with-Rate-Check/m-p/1940777#M69949 <P>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.</P> Sat, 09 Mar 2013 05:12:49 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Prosper-Experian-Score-with-Rate-Check/m-p/1940777#M69949 llecs 2013-03-09T05:12:49Z