topic Re: comparing scoring systems in General Credit Topics

comparing scoring systems

Anonymous — Fri, 24 Aug 2007 19:56:21 GMT

I thought it might be interesting to see how people's scores differ from scoring system to scoring system--this is what I get Experian scores in the first veritical column, EQ in the second column, and TU in the Third column

Fakos: 737 728 754
Plus : 675 720 684
Ficos: 704 739 681

here my EQ score (in the middle) is the most consistent - nothing more then 20 points apart

My EX and TU scores have huge variation between scoring models. Look at TU--681 vs 754--over 70 point difference!

Message Edited by rifleman on 08-24-2007 12:56 PM

Message Edited by rifleman on 08-24-2007 12:56 PM

Re: comparing scoring systems

Anonymous — Fri, 24 Aug 2007 21:59:30 GMT

Not sure which scores are which...except for myfico...these are all as of today.

FICO

TU=742

EQ=736

EX=729

TRUECREDIT

TU= 696

EQ=726

EX=675

PRIVACYGUARD.COM

TU=731

EQ=725

EX=709

Re: comparing scoring systems

Kat — Fri, 24 Aug 2007 22:25:43 GMT

MyFICO

TU=715

EQ=698

EX=701

FAKO-TrueCredit

TU=677

EQ=624

EX=605

Point Difference

TU=38

EQ=74

EX=96

Re: comparing scoring systems

Anonymous — Mon, 27 Aug 2007 14:34:16 GMT

wow those are huge differences
In both your cases your FICO's are higher then your Fako's--by a lot.

Do you think truecredit calcultes certain baddies differently then FICO? my baddies are just late payments really

Re: comparing scoring systems

fused — Mon, 27 Aug 2007 19:09:06 GMT

rifleman wrote:
wow those are huge differences
In both your cases your FICO's are higher then your Fako's--by a lot.

Do you think truecredit calcultes certain baddies differently then FICO? my baddies are just late payments really

FICO:

08/10

EQ 755

EX 734

TU 792

CreditSecure (AmEx website; EX scoring)FAKOs:

08/27

EQ 783

EX 738

TU 792

True Credit FAKOs (TU scoring):

08/27

EQ 767

EX 789

TU 804

The scoring must be entirely different! Until the last couple of months my FICOs were much higher, not anymore. My FICO EX is lower for three reasons: a very old, positive AU account not reporting, my Amex Blue has NEVER reported and a few too many inqs, half of which will fall off by the end of the year.

Re: comparing scoring systems

Anonymous — Mon, 27 Aug 2007 19:36:07 GMT

My FAKOs are waaaay higher than my FICOs....Poo!

Re: comparing scoring systems

Anonymous — Mon, 27 Aug 2007 20:12:48 GMT

I'd like to know what their formulas are. How can your highest score on FICO be your lowest score on FAKO? I don't get it. I wish there were a clearer answer then "anything that's not FICO is FAKO" "Exact scoring methods are secret"

Re: comparing scoring systems

Anonymous — Mon, 27 Aug 2007 22:00:29 GMT

fused111 wrote
FICO:

08/10
EQ 755
EX   734
TU   792

CreditSecure (AmEx website; EX scoring)FAKOs:

08/27
EQ 783
EX  738
TU 792

True Credit FAKOs (TU scoring):

08/27
EQ 767
EX 789
TU 804

The scoring must be entirely different! Until the last couple of months my FICOs were much higher, not anymore. My FICO EX is lower for three reasons: a very old, positive AU account not reporting, my Amex Blue has NEVER reported and a few too many inqs, half of which will fall off by the end of the year.

wow...I'd love to have your FICO'S.