First score over 700 (it's FAKO but still nice)

[Duncanrr]

I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

[Repo-ed]

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@Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

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Their own?

[rckstrscott]

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@Repo-ed wrote:

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@Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

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Their own?

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Credit Sesame uses Experian information, is what I believe the OP was asking -- Clearly, as it's a FAKO it is their own SCORE, but Credit Sesame pulls Experian.

-scott

[lithium78]

Credit Sesame's FAKO scores can't be trusted, but congratulations on the progress you are making.  Keep up the good work!

[rckstrscott]

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@lithium78 wrote:

Credit Sesame's FAKO scores can't be trusted, but congratulations on the progress you are making.  Keep up the good work!

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No FAKOs can be trusted haha

It's all about the small wins in life tho!

-scott

[Duncanrr]

I know you can't trust FAKO's but it's nice to see general upwards movement. My CK has dropped like 40 pts on one but the other CK score has gone up about 30 in same time frame. Other than Penn Fed CU, where can I get EX score? If I did a mortgage check would I be able to get it from there?

[rckstrscott]

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@Duncanrr wrote:
I know you can't trust FAKO's but it's nice to see general upwards movement. My CK has dropped like 40 pts on one but the other CK score has gone up about 30 in same time frame. Other than Penn Fed CU, where can I get EX score? If I did a mortgage check would I be able to get it from there?

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Yeah but you'd also get a hard inq on your file, so its your call.. but yeah, a mortgage pull would give you your EX

-scott

[MarineVietVet]

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@Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

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From the CMS Guide here onsite:

CreditSesame - FREE - FAKO (EX's National Equivalency Score) - Like with Quizzle or CreditKarma, CreditSesame also offers a free credit score and report overview on a monthly basis. It'll show individual accounts, along with overviews on installments, revolving debt, etc. Based on the data, you'll be provided offers to refi, consolidate, and so on. The FAKO is a National Equivalency Score and that runs on a scale of 360-850.

[Duncanrr]

@Scott. Not true. You can do a soft pull mortgage check. Typically these are done 6-8 months outside of new mortgage. I just need to find bank that will do this and pull ex for me. My credit union dies EQ and TU so no luck there.

[rckstrscott]

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@Duncanrr wrote:
@Anonymous. Not true. You can do a soft pull mortgage check. Typically these are done 6-8 months outside of new mortgage. I just need to find bank that will do this and pull ex for me. My credit union dies EQ and TU so no luck there.

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Hmmm.. Didn't know that..

my LO told me it was gonna be a hard which is why I never pursued it prior to the mortgage haha

Everything I read on multiple sites and forums convinced me standard mortgage pulls are hard, I didn't know of any banks that did softs for preapproval or even for investigative purpose...  I just assumed my EX would be my lowest and went from there haha

Interesting to know tho..

-scott