topic Re: Quizzle vs Credit Sesame accurate? in General Credit Topics

Quizzle vs Credit Sesame accurate?

Anonymous — Thu, 05 Jan 2012 04:00:23 GMT

Both pull Experian, are they accurate at all compared to the real FICO? I pulled both today and got over a 20 point difference - 743 Quizzle, 767 Credit Sesame.

Re: Quizzle vs Credit Sesame accurate?

Guava — Thu, 05 Jan 2012 04:19:20 GMT

Neither is a FICO score so they both are not accurate at all with respect to your actual FICO scores.

Re: Quizzle vs Credit Sesame accurate?

Anonymous — Thu, 05 Jan 2012 04:25:35 GMT

Is the score provided on this website a true FICO score?

Re: Quizzle vs Credit Sesame accurate?

MarineVietVet — Thu, 05 Jan 2012 04:29:20 GMT

@Anonymous wrote:
Is the score provided on this website a true FICO score?

Both scores here are FICO scores. The TU score is an older version (TU98) but still used by many lenders.

The EQ is Beacon 5.0 and exactly matches many lender pulled EQ FICO's.

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Quizzle vs Credit Sesame accurate?

Anonymous — Thu, 05 Jan 2012 04:36:04 GMT

Thanks so much that's exactly what I wanted to know! I was looking for FICO Experian specifically but I guess its not that easy.

Re: Quizzle vs Credit Sesame accurate?

MarineVietVet — Thu, 05 Jan 2012 04:43:55 GMT

I need to add that the scores from Quizzle are called "PLUS" scores and they are not used by lenders. They have a scale from 350-850.

CreditSesame sells an EX National Equivalency Score and that runs on a scale of 360-850. Just like the PLUS score it is useless.

Re: Quizzle vs Credit Sesame accurate?

Happychap — Fri, 30 Mar 2012 16:08:08 GMT

I don't trust any of these sites! and I will tell you why. I have obtained my scores from both Quizzle and Sesame who both obtain your CR from EX. I also subscribe to EX for monitoring and score. Anyway, my Quizzel score was 767 (Excellent), however, my Sesames score was 667 (fair) big difference considering Sesame claim the score comes directly from EX. Only thing is my score directly from EX is 739 (Excellent). Motto of the story is..... they are all a pile of crap and only the FICO score is relevant (if that is used by the lender) if the lender is using their own scoring then you can see how wide of difference your CR can be interpreted from as big as being Excellent to Poor category. Scoring is really just a game...

Re: Quizzle vs Credit Sesame accurate?

LS2982 — Sun, 01 Apr 2012 14:48:10 GMT

@Anonymous wrote:
Both pull Experian, are they accurate at all compared to the real FICO? I pulled both today and got over a 20 point difference - 743 Quizzle, 767 Credit Sesame.

They're both considered FAKO scores and are pretty much useless. So is FCR.com. Can you see your CR on these sites?

Re: Quizzle vs Credit Sesame accurate?

LS2982 — Sun, 01 Apr 2012 14:50:07 GMT

@Happychap wrote:
I don't trust any of these sites! and I will tell you why. I have obtained my scores from both Quizzle and Sesame who both obtain your CR from EX. I also subscribe to EX for monitoring and score. Anyway, my Quizzel score was 767 (Excellent), however, my Sesames score was 667 (fair) big difference considering Sesame claim the score comes directly from EX. Only thing is my score directly from EX is 739 (Excellent). Motto of the story is..... they are all a pile of crap and only the FICO score is relevant (if that is used by the lender) if the lender is using their own scoring then you can see how wide of difference your CR can be interpreted from as big as being Excellent to Poor category. Scoring is really just a game...

Anything else other than FICO is just a game.

Re: Quizzle vs Credit Sesame accurate?my

namvet — Sun, 01 Apr 2012 20:53:56 GMT

While credit sesame is a Fako it has been reported by many here and other websites as very close to the real Experian fico score. In my case it's within 5 points of the real score. Al the other Fako website scores (in my case) are a lot lower than my fico scores but YMMV.

Re: Quizzle vs Credit Sesame accurate?my

marty56 — Mon, 02 Apr 2012 10:13:33 GMT

@namvet wrote:
While credit sesame is a Fako it has been reported by many here and other websites as very close to the real Experian fico score. In my case it's within 5 points of the real score. Al the other Fako website scores (in my case) are a lot lower than my fico scores but YMMV.

IMHO it is bad luck for anyone who has a FAKO score close to their real FICO score. It will let you down at the worst possible time.

Re: Quizzle vs Credit Sesame accurate?my

LS2982 — Mon, 02 Apr 2012 22:38:37 GMT

@marty56 wrote:
@namvet wrote:
While credit sesame is a Fako it has been reported by many here and other websites as very close to the real Experian fico score. In my case it's within 5 points of the real score. Al the other Fako website scores (in my case) are a lot lower than my fico scores but YMMV.
IMHO it is bad luck for anyone who has a FAKO score close to their real FICO score. It will let you down at the worst possible time.