comparing scoring systems

[Anonymous]

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

[Anonymous]

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

[Kat]

MyFICO            

TU=715

EQ=698

EX=701

FAKO-TrueCredit

TU=677

EQ=624

EX=605

Point Difference

TU=38

EQ=74

EX=96

[Anonymous]

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

[fused]

---

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.

[Anonymous]

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

[Anonymous]

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"

[Anonymous]

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.