topic Credit Sesame in General Credit Topics

Credit Sesame

damnedanddetermined — Sat, 01 Aug 2015 20:10:22 GMT

Has anyone used this site, and do they HP? How accurate are they? Tks!!

Re: Credit Sesame

gdale6 — Sat, 01 Aug 2015 22:27:58 GMT

@damnedanddetermined wrote:
Has anyone used this site, and do they HP? How accurate are they? Tks!!

Used to use them when they used EX for their info since they switched to TU I canceled as CK provides TU and EQ. Score CS gives is the Vantage 3.0 score now as well. Used to be their score was the closest to a real Fico when they pulled from EX and scored off it. Soft pulls no HPs.

Re: Credit Sesame

takeshi74 — Mon, 03 Aug 2015 12:59:52 GMT

@damnedanddetermined wrote:
Has anyone used this site, and do they HP?

Don't overlook the source itself.

http://www.creditsesame.com/about/faqs/#cq2

@damnedanddetermined wrote:
How accurate are they?

People tend to oversimply with accuracy questions like this. As pointed out in many score discussion threads, all scores are accuarate but only for their own scoring model. If you're going to rely on numbers then make sure you understand the specific scoring model and CRA used to generate a score. You cannot use a score generated by one model to determine a score generated by another model -- even if both models are FICO's. You should expect different algorithms to produce different results.

CS is very accurate for VantageScore 3.0 given that's the score they provide. If you want a FICO then you'll need to look elsewhere.