Experian FICO Approximation

[winstars]

CreditKarma:

TransRisk: 708

Vantage Score: 833

CreditSesame: 767

USAA Experian: 771

 

EX PSECU 672.

 

Well now...

[jason86423]

Mine is pretty close

 

PSECU 717

Credit Sesame 725

 

 

This is going to get confusing.

 

I propose using different acronyms for CreditSecure and Credit Sesame .

 

One can be CS and the other C$

 

 

 

[goldtrad]

Credit Sesame 798

Amex letter with approval 801

Well, 3 of us are within 3 points of the real FICO.

 

4. 792 CS and 789 PSECU FICO.

[MelodyT]

Will the real EX FICO please stand up.

 

 

My PSECU says 689 and CS says 690.

Edited September 23, 2011 by MelodyT

[Roland99]

My PSECU Experian FICO is 823, Credit Sesame is 826.

 

Capn12 says is AmEx Experian FICO is only 2 points lower than Credit Sesame's.

 

It would be interesting to see if other people's Experian FICOs are also close to Credit Sesame's score.

 

http://www.creditsesame.com/

 

 

PSECU EX: 684

Credit Sesame: 754

+/- 70 points is the winner!

 

 

Leave it to me be the outlier!

[winstars]

My PSECU Experian FICO is 823, Credit Sesame is 826.

 

Capn12 says is AmEx Experian FICO is only 2 points lower than Credit Sesame's.

 

It would be interesting to see if other people's Experian FICOs are also close to Credit Sesame's score.

 

http://www.creditsesame.com/

 

 

PSECU EX: 684

Credit Sesame: 754

+/- 70 points is the winner!

 

 

Leave it to me be the outlier!

 

 

 

Going by your siggy, whats in your EX that its 10 points lower now than when you started repair and why is it much lower than the other 2???

Edited September 23, 2011 by winstars

[BobWang]

Will the real EX FICO please stand up.

 

 

My PSECU says 689 and CS says 690.

Melody gets the prize for closest match so far.

[BobWang]

With 8 data points so far, Correlation = 0.85

 

If I toss out the 2 outliers, Correlation = 0.99

 

I thinks it's pretty safe to say that Credit Sesame is VERY close to Experian FICO.

[justlost]

Will the real EX FICO please stand up.

 

 

My PSECU says 689 and CS says 690.

Melody gets the prize for closest match so far.

 

And I get nothing for being last ..... :rofl:

[BobWang]

Will the real EX FICO please stand up.

 

 

My PSECU says 689 and CS says 690.

Melody gets the prize for closest match so far.

 

And I get nothing for being last ..... :rofl:

justlost, YOUR data point gets tossed.

 

But, you make a good point that Credit Sesame is probably not picking up your Public Record.

[KatieBell]

Mortgage pull: 697

CS: 699

 

DH Mortgage pull: 688

DH CS: 677

 

Mortgage pull was 6 days prior to the CS score.

[BobWang]

With 11 data points, 9 tossing outliers, we're still at 0.85 and 0.99

[visorboy1974]

PSECU EX: 699

CredSes: 720

[BobWang]

0.855

0.986

[BobWang]

Thanks for posting your scores everybody, this is looking REAL good.

[BobWang]

The statistics so far, using a crude linear regression:

 

n=10, m=0.9968, r=0.9864

n=12, m=0.8509, r=0.8552

 

IOW, multiply your Credit Sesame score by 0.9968, and that should be a pretty good approximation of your true Experian FICO score.

[BobWang]

n=11, m=0.9606, r=0.985

 

n=13, m=0.8276, r=0.8546

 

Made a mistake in the range in the last post, multiply Credit Sesame score by 0.9606 to get estimated Experian FICO score.

[Android01]

My PSECU Experian FICO is 823, Credit Sesame is 826.

 

Capn12 says is AmEx Experian FICO is only 2 points lower than Credit Sesame's.

 

It would be interesting to see if other people's Experian FICOs are also close to Credit Sesame's score.

 

http://www.creditsesame.com/

 

My Credit Sesame is 767 and my PSECU FICO is 768. On another forum, a person posted who works for Credit Sesame and indicated that they use Experian's "National Equivalency Score".

[BobWang]

My PSECU Experian FICO is 823, Credit Sesame is 826.

 

Capn12 says is AmEx Experian FICO is only 2 points lower than Credit Sesame's.

 

It would be interesting to see if other people's Experian FICOs are also close to Credit Sesame's score.

 

http://www.creditsesame.com/

 

My Credit Sesame is 767 and my PSECU FICO is 768. On another forum, a person posted who works for Credit Sesame and indicated that they use Experian's "National Equivalency Score".

Nice to know, thanks!

 

It looks VERY Equivalent.

[wanabe]

Will it work on frozen report?

[wallop]

Every FAKO I have ever used is very close to my FICO.

 

My "GUESS" is that FICO and FAKO's are very close if your credit report is clean. If you have complicated things like charge off's, random 90 day lates, 30 day here, 60 day there, bankruptcy, judgement, etc. it becomes very hard for FAKO's to approximate.

 

My FAKO in the last 2 years has moved exactly, within a few points, of my FICO. I have a very clean report. I'm curious if this makes a difference for those already posting their scores, can you give us a 1-10 ballpark number on how clean vs not clean your report is?

[wanabe]

Every FAKO I have ever used is very close to my FICO.

 

My "GUESS" is that FICO and FAKO's are very close if your credit report is clean. If you have complicated things like charge off's, random 90 day lates, 30 day here, 60 day there, bankruptcy, judgement, etc. it becomes very hard for FAKO's to approximate.

 

My FAKO in the last 2 years has moved exactly, within a few points, of my FICO. I have a very clean report. I'm curious if this makes a difference for those already posting their scores, can you give us a 1-10 ballpark number on how clean vs not clean your report is?

 

I have a clean report since 2007 and my Fakos never change except for

inq. and once when DM maxed out her Chase CC and I was quickly removed

from her CC. It's been 761 since forever.

[BobWang]

Will it work on frozen report?

No, have to unfreeze Experian.

[Occam]

Experian FICO pulled by NASA on Aug 5 2011: 713 (2 old hards on report)

Experian FAKO from Credit Sesame Aug 6 2011: 698 (2 old + 1 new hard on report)

 

Unfortunately they were pulled in the wrong sequence, so the Credit Sesame pull includes the additional hard inq by NASA. But that can't account for the whole 15 points, I have a thick file.

 

As for PSECU, I can't get in. But who needs 'em anyway? They don't even give out badges.

 

[BobWang]

Every FAKO I have ever used is very close to my FICO.

 

My "GUESS" is that FICO and FAKO's are very close if your credit report is clean. If you have complicated things like charge off's, random 90 day lates, 30 day here, 60 day there, bankruptcy, judgement, etc. it becomes very hard for FAKO's to approximate.

 

My FAKO in the last 2 years has moved exactly, within a few points, of my FICO. I have a very clean report. I'm curious if this makes a difference for those already posting their scores, can you give us a 1-10 ballpark number on how clean vs not clean your report is?

My reports are squeaky clean, and my FAKOS in my siggy are nowhere close to my FICOs.