The Master Credit Sesame National Equivalency Score Thread

[foeplay]

Just got a CS update... 690

 

I'll be thrilled if I'm at 670 on PSECU score next week. I've been at 654 forever.

[Back2kcaB]

I received the update last night and my credit sesame showing 691 but myfico score is 629

[onedeterminedgirl]

Hi there Bob, more data for you.

 

CreditSesame:727 (12/6/11)

CreditKarma:707 (12/6/11)

Quizzle: 746 (12/1/11)

FICO Equ: 735 (11/30/11)

FICO TU: 716 (11/15/11)

Wells Fargo ID Theft: Exp - 713, Eq - 738, TU 699 (12/5/11)

 

Thanks a million,

onedetermindedgirl

[BobWang]

Very interesting, we're starting to see a Bimodal distribution with peaks at 0 and +60

 

[Riled]

EQ FICO 767

TU FICO 772

EX PLUS 764 (free from expiriandirect.com with US Bank card)

creditkarma 787

 

creditsesame 739

 

So I'd say creditsesame remains a good 20-30 points low for me. Thus I do not like creditsesame.

[TheCaptain11]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11, (Credit Sesame) -702 12/05/11

TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643

EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

 

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Edited December 6, 2011 by TheCaptain11

[BobWang]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11

TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643

EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

 

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Do you have a Credit Sesame score?

[TheCaptain11]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11

TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643

EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

 

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Do you have a Credit Sesame score?

 

 

(Credit Sesame) -702 12/05/11

[cashnocredit]

12/5/11

CS: 827

EQ FICO: 780

[BobWang]

[BobWang]

With 60 CBers, definitely looking bimodal, with a systematic bias of +50 points for the secondary peak

 

[Prady]

My Credit Sesame score is a 590 when it updated this month. I have a mortgage lender pull 3 days before and a score of 680 for EX..

Thanks, Ch, you and Prady are outliers on opposite sides.

 

U laughin at my misery bud? lol

Edited December 6, 2011 by Prady

[BobWang]

My Credit Sesame score is a 590 when it updated this month. I have a mortgage lender pull 3 days before and a score of 680 for EX..

Thanks, Ch, you and Prady are outliers on opposite sides.

 

U laughin at my misery bud? lol

Have the score gotten any closer?

[BobWang]

score

[BobWang]

[Matti]

True Experian Fico - 684 (One of my local CUs pulled it for me)

Credit Sesame - 666 (Woohoo... lol)

 

Almost 20 points difference.

 

Update... Credit sesame says 666 and I just got my Exp Fico from my Discover app on Tuesday and it's 698.

[BobWang]

Thanks, Matti.

 

I AM entering all the new data, I just won't be posting new histograms all the time.

[goldtrad]

PSECU 806

 

Credit Sesame 784

 

Getting further from the truth now it seems. Reduced total debt considerably too.

[BobWang]

[BobWang]

[BobWang]

The raw data:

 

Date CS Avg PSECU AmEx Eq Ex TU CK ECEq ECEx ECTU GEMB MPEq MPEx MPTU PLUSEq PLUSEx PLUSTU Quzl VSEq VSEx VSTU 53WFEq 53WFEx 53WFTU Diff

10/10/11 720 720 720 0

11/09/11 683 683 683 0

12/05/11 632 633 611 655 (1)

11/02/11 709 708 708 777 1

09/23/11 690 689 689 1

11/10/11 709 710 715 705 (1)

10/08/11 695 696 696 (1)

11/11/11 730 731 731 (1)

12/05/11 727 726 735 716 707 746 738 713 699 2

09/24/11 654 652 652 2

12/05/11 817 819 819 (2)

09/23/11 699 697 697 2

09/23/11 798 801 801 (3)

11/05/11 641 644 608 658 667 (3)

10/15/11 835 831 831 4

09/27/11 696 691 691 5

10/08/11 731 725 725 6

11/09/11 828 821 823 816 825 785 820 789 796 872 798 783 786 990 951 7

11/14/11 635 628 628 7

11/18/11 735 744 725 729 777 740 747 770 (9)

12/05/11 733 724 724 9

11/09/11 755 765 765 (10)

12/05/11 786 797 797 (11)

09/23/11 677 688 688 (11)

11/17/11 695 683 696 677 677 699 681 693 709 713 12

12/05/11 713 701 701 612 694 639 642 728 735 669 640 707 698 705 754 684 12

09/23/11 732 744 744 (12)

11/05/11 655 640 640 15

11/09/11 674 689 689 (15)

08/06/11 698 713 713 (15)

11/19/11 795 778 771 785 779 804 792 771 784 990 17

10/08/11 800 817 817 (17)

10/08/11 734 717 717 17

09/23/11 654 634 634 20

12/05/11 784 806 806 (22)

10/18/11 684 660 660 24

12/05/11 690 664 654 628 710 26

11/04/11 654 681 681 (27)

10/13/11 729 759 779 738 (30)

12/05/11 739 770 767 772 787 764 (31)

12/06/11 666 700 702 698 634 647 (34)

11/04/11 789 753 753 36

11/10/11 606 567 567 566 542 592 588 587 40

12/05/11 807 767 785 769 746 40

10/08/11 619 575 575 44

12/05/11 827 780 780 47

12/05/11 740 691 691 49

11/05/11 745 696 702 689 50

10/10/11 775 724 724 51

11/09/11 590 641 641 (51)

11/20/11 678 730 730 688 (52)

09/24/11 804 751 751 53

12/05/11 702 648 668 628 643 616 625 621 635 712 702 712 54

12/05/11 787 730 730 57

11/09/11 777 720 720 57

11/09/11 755 697 714 679 59

12/05/11 691 629 629 62

11/09/11 754 685 685 69

10/08/11 765 678 678 87

11/17/11 590 680 680 (90)

09/23/11 767 672 672 95

[BobWang]

[BobWang]

 

[BobWang]

 

[BobWang]