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My experian jumped 33 points and is up to 622 PTL! But, is it accurate?
@LoveGoodCredit wrote:My experian jumped 33 points and is up to 622 PTL! But, is it accurate?
No; Credit Sesame uses a FAKO score; and any point increases may or may not by similar with a FICO score..
What caused the score movement?
-scott
@Anonymous wrote:
Mine is nearly 100 points different than my lender pulled score. Definitely not reliable in my case.
Agreed. Mine was about 50 points LOWER actually. I lucked out but I never look at FAKOS these days. I cancelled all my CMS.
-scott
Hey guys,
My guess would be 3 total collections removed.
2 lines of credit paid on time for 4 months, I thought it was longber but I guess not.
And another collection in dispute that is going to be PFD.
And it hasnt changed in such a long time. I contacted them and they told me they get their point system directly from Experian. I dont have an experian score to compare it to tho.
its never a number to trust or rely on, but its nice to keep track. My CS last month for EX was 655, my apartment pulled it that weekend and it was identical 655... thats a rare situation but I use it simply for account info. not score. I wish mine was accurate this month because CS went up 33 points haha I dont have any pulls coming anytime soon, so I'll never know, but just use it for information, not the score, and youll be fine.
60 points difference for me. I just use it to see if anything changes. As far as scores goes, not even close.
It is a FAKO. Experian stopped provided FICO Classic II to consumers several years ago. Short of applying for for a mortgage or some other line that you know will pull Experian, it's close to impossible to obtain an Experian FICO these days.
Personally, I just call up my credit union and have the loan officer there pull a trimerge once per year. It's straight FICO scores from all three bureaus and it costs me $11
Thank you guys! I guess I can just imagine it is going up tho if it is going up on there. Maybe not correct but at least moving up and not going the other way! So until I apply for a mortgage I guess experian will be a mystery.
Even though they are FAKOS it still feels good to see those scores go up!