topic Re: Credit Sesame score in Understanding FICO® Scoring

Credit Sesame score

Kathy4NU — Sun, 17 Feb 2013 17:36:28 GMT

Haha, my Credit Sesame score is 774!

My credit union pulled my report 10 days ago and said my score was 613,

I guess that is why a FAKO is a FAKO.

(I did notice that my two defaulted student loans were removed so I suspect my score did go up some but not that many points)

Re: Credit Sesame score

namvet — Sun, 17 Feb 2013 17:53:44 GMT

Which bureau did your credit union pull? Credit Sesame uses info obtained from your Ex file.

Re: Credit Sesame score

Kathy4NU — Sun, 17 Feb 2013 18:13:42 GMT

@namvet wrote:
Which bureau did your credit union pull? Credit Sesame uses info obtained from your Ex file.

Experian.

Re: Credit Sesame score

dddewdrop — Sun, 17 Feb 2013 18:51:35 GMT

Geez. That is some discepancy. Well at least you are an educated consumer and know a fico from a fako.

Re: Credit Sesame score

dodgerslv — Sun, 17 Feb 2013 21:04:38 GMT

@Kathy4NU wrote:
Haha, my Credit Sesame score is 774!

My credit union pulled my report 10 days ago and said my score was 613,

I guess that is why a FAKO is a FAKO.

(I did notice that my two defaulted student loans were removed so I suspect my score did go up some but not that many points)

wow....that is a very big difference but dont feel bad, my CS score has me at 657(Fair), Quizzle at 761(Excellent), Credt.com Exp Vantage at 701(low C) and estimates my EX Fico at 684 (that would be fair i guess) while Experian Plus has me at 700(Good)....Im just all over the place when it comes to what my EX FAKO is...LOL

Re: Credit Sesame score

mitchblue — Tue, 15 Jul 2014 04:58:22 GMT

My EX on here is 776 and credit sasame is 749 so not too far off..

Re: Credit Sesame score

sportsguy83 — Tue, 15 Jul 2014 06:16:05 GMT

That is a bit odd. My CS is 681 and my last EX was 678 so hardly any difference.

Re: Credit Sesame score

Revelate — Tue, 15 Jul 2014 06:39:49 GMT

Old thread but sometimes CS (and other FAKO's) track closely to one's FICO's, and other times they're way off.

It's all coincidence unfortunately: put simply, the algorithms in question don't score identical information the same way.

Re: Credit Sesame score

mitchblue — Tue, 15 Jul 2014 08:08:57 GMT

I didn't realize it was an old thread..sorry.

@Revelate wrote:
Old thread but sometimes CS (and other FAKO's) track closely to one's FICO's, and other times they're way off.

It's all coincidence unfortunately: put simply, the algorithms in question don't score identical information the same way.

Re: Credit Sesame score

Revelate — Tue, 15 Jul 2014 14:50:21 GMT

@mitchblue wrote:
I didn't realize it was an old thread..sorry.
@Revelate wrote:
Old thread but sometimes CS (and other FAKO's) track closely to one's FICO's, and other times they're way off.

It's all coincidence unfortunately: put simply, the algorithms in question don't score identical information the same way.

No worries . Google I blame you!

It would be nice to filter search results by date of posting somehow either here in Lithium or more importantly by Google... working on a project now that is on the pointy edge of said spear, and anything not written within the last few months is a near useless result on my searches. Worse, so many people don't date their posts, le sigh. Least Lithium gets that right.

At least this post is just as relevant now as the day it was written, not a problem recycling those unlike some others that get necromanced.

Re: Credit Sesame score

jamie123 — Tue, 15 Jul 2014 22:15:10 GMT

Yeah, CS totally misses my tax liens and as a result they have my score at about 770.

Most other REAL FICO scores are about 680.

I stop by CS every now and again to feel good!

Re: Credit Sesame score

Anonymous — Wed, 16 Jul 2014 01:28:47 GMT

myfico is a fako, my score the a mortgage lender pulled was a full 100 points lower than shown on this fako, fico site.

Re: Credit Sesame score

mitchblue — Wed, 16 Jul 2014 01:42:13 GMT

Mortgages don't use the same scores you see here..you probably know that since you've posted the same thing on several threads with others responding to you about why.

Re: Credit Sesame score

Anonymous — Wed, 16 Jul 2014 22:41:05 GMT

just trying to let people know this site is useless for mortgage scores. They sure don't point that out anywhere else

Re: Credit Sesame score

mitchblue — Thu, 17 Jul 2014 05:39:16 GMT

I feel ya..but there is already a thread about it.

Re: Credit Sesame score

TheFate — Thu, 17 Jul 2014 05:46:30 GMT

Actually when getting my car loan my Credit Sesame score was closer to the score the lender pulled then my FICO thru this site was. So I'm not sure how that worked out?

Re: Credit Sesame score

EW800 — Thu, 17 Jul 2014 13:31:33 GMT

Somewhat surprisingly, my CS score of 708 is pretty much in the neighborhood with my FICO 08 scores (below). It is my VantageScore 3.0 of 752 that gives me WAY too much credit!

Re: Credit Sesame score

TheFate — Fri, 18 Jul 2014 02:14:10 GMT

@EW800 wrote:
Somewhat surprisingly, my CS score of 708 is pretty much in the neighborhood with my FICO 08 scores (below). It is my VantageScore 3.0 of 752 that gives me WAY too much credit!

So I'm not the only one.

I read somewhere that the FICO 04 is more accurate as to what lenders have vs the FICO 08

Re: Credit Sesame score

KeepingOn — Tue, 22 Jul 2014 05:06:50 GMT

My credit union pulled a 682 EX which was 10 points higher than CS, while this site had my EX at a 627! I can only assume that they are not using the newest scoring model, thank goodness as it had dropped my scores by an average of 50 points!

Re: Credit Sesame score

New_Beginning — Fri, 25 Jul 2014 18:26:15 GMT

@KeepingOn wrote:
My credit union pulled a 682 EX which was 10 points higher than CS, while this site had my EX at a 627! I can only assume that they are not using the newest scoring model, thank goodness as it had dropped my scores by an average of 50 points!

My credit union pulled EQ which was dead on to what My Fico had, however CS has me 2 points lower than what My Fico has me for EX.