topic Re: Compare creditsesame with experian fico score in General Credit Topics

Compare creditsesame with experian fico score

ShiningDown — Mon, 09 Jul 2012 03:16:27 GMT

Can anyone compare creditsesame with their real experian scores just to see if they are close. My creditsesame score says 715 but I don't have a real score from experian to compare it with.

Re: Compare creditsesame with experian fico score

calihlove75 — Mon, 09 Jul 2012 03:31:03 GMT

My credit sesame score says 733 when I just logged on. My Amex denial on 6/30/12 had my EX Fico at 736.

Re: Compare creditsesame with experian fico score

ShiningDown — Mon, 09 Jul 2012 03:34:47 GMT

Thank you, thats good to know.

Re: Compare creditsesame with experian fico score

ShiningDown — Mon, 09 Jul 2012 03:43:26 GMT

@callhlove I don't want to give you more home work but have you checked your quizzle score ever? It is also from experion. My quizzle score is around 3 months old so I have to wait 3 months to update it. Are quizzle and creditsesame getting their scores from different places?

Re: Compare creditsesame with experian fico score

calihlove75 — Mon, 09 Jul 2012 03:59:25 GMT

I signed up for that about two and half months ago and it had my score at 699 BUT that was when I had a recent collection listed on Experian which has since been removed a month ago. Yes, they would both get their info from Experian.

Re: Compare creditsesame with experian fico score

Revelate — Mon, 09 Jul 2012 04:00:06 GMT

CreditSeasame is generally considered to be the best (comparitively speaking) FAKO to judge your EX FICO by, numerous people have reported similar scores between the two; however, this is nowhere close to the case for all people and as a result I wouldn't put too much faith in it.

Re: Compare creditsesame with experian fico score

calihlove75 — Mon, 09 Jul 2012 04:05:30 GMT

@Revelate wrote:
CreditSeasame is generally considered to be the best (comparitively speaking) FAKO to judge your EX FICO by, numerous people have reported similar scores between the two; however, this is nowhere close to the case for all people and as a result I wouldn't put too much faith in it.

In my case, credit sesame is alost identical to my Experian Fico. Now Credit Karma is a whole other story. It is almost 100 points lower than my true Transunion Fico

Re: Compare creditsesame with experian fico score

Revelate — Mon, 09 Jul 2012 04:11:09 GMT

@calihlove75 wrote:
@Revelate wrote:
CreditSeasame is generally considered to be the best (comparitively speaking) FAKO to judge your EX FICO by, numerous people have reported similar scores between the two; however, this is nowhere close to the case for all people and as a result I wouldn't put too much faith in it.

In my case, credit sesame is alost identical to my Experian Fico. Now Credit Karma is a whole other story. It is almost 100 points lower than my true Transunion Fico

Yeah, I think I remember people saying that if you had a clean report, that usually they'd be somewhat comparable. It's when you have random derogs that it loses accuracy.

Only even remotely worthwhile score on CK is the VantageScore, but that first Transrisk one, haha.

Re: Compare creditsesame with experian fico score

OnTheRebound — Mon, 09 Jul 2012 04:14:12 GMT

Quizzle

Your Experian Credit Report:

659

Credit Sesame

Our analysis of your credit

Credit Score

759

ETA: Both reports are pretty much identical

Re: Compare creditsesame with experian fico score

suebee123 — Tue, 10 Jul 2012 01:05:30 GMT

Credit Sesame says 691, AMX Experian pull is 675.

Re: Compare creditsesame with experian fico score

tooleman694 — Tue, 10 Jul 2012 14:26:43 GMT

My score hasnt updated in months so I have no clue what mine even is lol.

Re: Compare creditsesame with experian fico score

xolebra — Sun, 29 Sep 2013 03:12:58 GMT

My CreditSesame = 698

My Experian = 711

The truth is out there?

Who's right?

If, of course, Experian is, then where the hell CreditSesame takes that number?

Re: Compare creditsesame with experian fico score

masscredit — Sun, 29 Sep 2013 03:51:06 GMT

My Credit Sesame score has been in the same range as the Walmart TU score and EQ score from here (before it updated today). Waiting to see what it is after it updates soon.

Re: Compare creditsesame with experian fico score

DaveSignal — Sun, 29 Sep 2013 06:39:42 GMT

Both scores are from the beginning of September:

creditsesame: 750

EX04 FICO (PSECU): 726

Re: Compare creditsesame with experian fico score

redshoes — Sat, 04 Jan 2014 21:28:36 GMT

I just had a HUGE spike on CreditSesame, so I pulled my EX FICO. CS says 738, EX FICO is 654, which is where it was when I pulled it earlier in the month. I'm expecting a bump on all my scores in about a week when a new card makes its second report (saw a minor dip on EX/EQ (Chase card) when it first reported, which was expected — currently have 3 INQs on EX and EQ, 1 on TU). CS dive was the biggest (I pulled all my FICOs last month). CK actually jumped last month — no surprise, since TU didn't pull. It reported on the closing date, rather than on the payment date, which took me by surprise, leaving my util about 30% instead of my normally cultivated 7%. I'm curious about this giant spike on CS, as well as the huge disparity between what it's reporting and my actual EX FICO. Also curious to see if it'll remotely accurately reflect the bump I'll see this month once everything reports at 7% util. I'll update this with my findings.

Re: Compare creditsesame with experian fico score

Anonymous — Sun, 12 Oct 2014 01:53:54 GMT

My credit sesame score says its a 665 just updated recently (within the last 2 weeks) by myfico.com says transunion 582, experian 586, equifax 579. I don't get why such a difference. I am concerned because I have only 3 open credit cards that are paid on time and I am looking to get an auto loan. Any advice would be helpful and any ideas as to why the difference would be great to.

Re: Compare creditsesame with experian fico score

Anonymous — Sun, 12 Oct 2014 10:24:38 GMT

My creditsesame score is 720 amd my EX fico is 681. Fakos can be dead on but that's just a coincidence if they are. My CK score is listed at 638 but my TU fico is 691. I wouldn't put much weight in any fako even if some people tell you theirs was exact.

Re: Compare creditsesame with experian fico score

takeshi74 — Mon, 13 Oct 2014 13:28:00 GMT

@Anonymous wrote:
I don't get why such a difference.

Different scoring models will produce different results. You can't rely on a score generated by one model to determine a score generated by a completely different model even if both models are FICO's. This is a very common topic so don't overlook other discussions on scoring and models. There is also an Undersanding FICO Scoring subforum that you can reference.

@Anonymous wrote:
I am concerned because I have only 3 open credit cards that are paid on time and I am looking to get an auto loan.

Some creditors use auto enhanced scoring models for auto loans. I'm not aware of any source where you can obtain such scores so you really can't rely on specific numbers. You really need to consider the data in your reports. The two biggest factors involved in scoring are Payment History and Utilization (Amounts Owed):

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

If you have derogs then hit the Rebuilding subforuim and see what you can do to address them as they are likely killing your Payment History regardless of whatever positive payment history you've been building recently. If your utilization isn't in check then get it down and optimize and ensure that updated balances are reporting prior to applying.

@Anonymous wrote:
I wouldn't put much weight in any fako even if some people tell you theirs was exact.

It's not just a matter of FAKO versus FICO but any differences in scoring models.