What's the difference?
About 30-40 points, on average, in my case. The lower of the two always being the actual FICO, alas.
About 30-40 points, on average, in my case. The lower of the two always being the actual FICO, alas.
My Experian Plus score, as of today, is 744 - and it's been that way for weeks, other than some apparently random fluctuations to 733 and back again overnight. I would KILL for a FICO score, any FICO score, even approaching 744. Or 733, for that matter! What you see in my signature is the highest those FICOs have ever gone - admittedly I haven't checked the EX one since the end of May, but... I know if I paid to check it right now, there's (sadly) no way that baby's going to be even within 30 points of the Plus version. Alas.
I love it when old threads resurface! It shows how we've figured some stuff out in the interval, but in a lot of areas, we're still poking gingerly with a stick. 
I wanted to add that since that post above, I found that when you pull your scores here, the actual work is done at the CRA's, and the results are sent back here. myFICO is a consumer portal to access your scores, and it's the CRA's that are licking their thumbs (to quote the SmorgasBoard thread) and counting the grubby bills. And that's why FICO scores are so expensive, and why myFICO can't devise an affordable daily monitoring service! The CRA's know a good thing when they see it, and for consumers who don't know about FICO's, or don't want to pay, they'll be happy to sell you a different score that doesn't mean much of anything at all.
I don't see any reason to cancel a monitoring service, though, as long as it lets you update and access your reports daily. Their FAKO scores are unwanted icing on the cake. Scrape it off and keep the reports cake.
FWIW, my PLUS score is higher (makes sense; it has a higher range); two of my three TC scores are lower; and I'm pretty sure that my Vantage score was higher. It's been a while since I wasted my money to satisfy my curiosity on that one.
I wanted to add that since that post above, I found that when you pull your scores here, the actual work is done at the CRA's, and the results are sent back here. myFICO is a consumer portal to access your scores, and it's the CRA's that are licking their thumbs (to quote the SmorgasBoard thread) and counting the grubby bills. And that's why FICO scores are so expensive, and why myFICO can't devise an affordable daily monitoring service! The CRA's know a good thing when they see it, and for consumers who don't know about FICO's, or don't want to pay, they'll be happy to sell you a different score that doesn't mean much of anything at all.
I don't see any reason to cancel a monitoring service, though, as long as it lets you update and access your reports daily. Their FAKO scores are unwanted icing on the cake. Scrape it off and keep the reports cake.
FWIW, my PLUS score is higher (makes sense; it has a higher range); two of my three TC scores are lower; and I'm pretty sure that my Vantage score was higher. It's been a while since I wasted my money to satisfy my curiosity on that one.
@Anonymous wrote:
I just checked......my real Fico Experian score is 613!
I was so proud of being so close to the 700 club. My Experian "Plus Score" is 692.
I am canceling my good for nothing monthly Experian monitoring
Shouldn't I just check the MyFico REAL score every couple moths or so than having that Experian monthly thing?
Message Edited by Jubeyy on 07-18-2008 12:23 AM
Message Edited by Jubeyy on 07-18-2008 02:28 AM
Aww.
I had a similar experience last year, upon checking my FICO scores (after finding out that all credit scores were not the same!) and finding that the 733 Experian Plus score differed very wildly indeed from the actual FICO version.I still use Credit Expert, though, but just take the scores with a pinch of salt - it IS very good for being able to see changes in my credit file, check when different CCCs have reported, etc etc - so not all bad, it does serve a useful purpose!