Credit Seame

[LoveGoodCredit]

Does anyone know if Credit Sesame is a TRUE score?  You can google it all day but have different answers.  Thanks!!!!!

[1stCarBuyer]

I don't think it is...my score there is completely different from here.

[LoveGoodCredit]

is it loweror higher?  mine is lower on there, when I was using identitiy guard it was a lot higher. 

[novabama]

Don't go off of what you get off of creditsesame. It's an ok score I'd say. It's about a little above the middle of the 2 real FICO scores I got from myFICO. Do some search on here about where you can get your true FICO score, there are only a few places and credit sesame is not one. However I do use it as well and it's not bad for a free service!

[jdirilo]

I think I read in one of the other forums "General Credit" that one of the moderators posted a huge list of credit monitoring services, and Credit Sesame is similar to CreditKarma, it is a FAKO score. I have yet to learn exactly what FAKO means but I don't believe its a true FICO score. 

My CreditKarma account shows my TU score as 572. But yesterday I apped for a Discover card and they said my TU score was 615. Pretty big difference. 

[jcstarkey8826]

I don't think it is accurate. Mine just happens to be the same, but that's a coincidence. I think fakos are much more accurate when you don't have CAs or PRs. When I got mine removed, my scores didn't change, but FICO did. Now my fakos and FICO are only a couple points off and EX is dead on. I don't rely on them for anything, just an FYI

[novabama]

Here are my scores for some proof:

Credit Sesame FAKO: 575

Credit Karma FAKO: 511 (WAY low)

True FICO TU from myFICO: 589

[Datx]

The score from Credit Sesame is an Experian FAKO score, so you really can't compare that score from any scores here on myFICO anyways, since can't purchase your EX score. There is a discussion on another board where alot of people posted saying that their real EX FICO score (obtained from PSECU) closely matched their Credit Sesame score. So its believed that even though Credit Sesame is still a FAKO score, it gives you a fairly good idea of what your real EX FICO score is.

[jcstarkey8826]

Exactly. I wouldn't swear by it, but it seems to be better than others. My EX matches to the number from my apt pull. You never know. My TU was over 40 points off until I deleted PR and CA. Now it's 3 points off.

[LoveGoodCredit]

is PR portfolio recovery?  I need to get rid of them from my CR.