A Special Plea to Those Who Have Recent Experian FICO Scores

[Android01]

PSECU FICO: 807

Cc FAKO: 820

Cc Est. FICO: 795

Cc Est. Vantage: 898

[BobWang]

July PSECU FICO 659

 

July Cc FAKO 668

 

USAA/C$ FAKO 730

 

CS is 728, right?

[BobWang]

Myfico.com EQ 687

Estimated FICO credit.com 651

Estimated Vantage credit.com 674

USAA 664 EXP, 664 EQ, 709 TU

EQC 648

myfico.com TU 709

CS 629

CS vantage 674

 

All of my FAKO's are lower than my FICO scores?

It can go either way.

[BobWang]

PSECU, CS & Cc scores being solicited.

[foeplay]

PSECU: 668

CS: 696

CC: I'm tired

[BobWang]

[Roland99]

CS: 723

PSECU: 613

 

Perhaps CS is ignoring a 9 year-old BK?

[fatherof5]

PSECU 693

CS 679

CK Transrisk 610

CK Vantage 663

USAA EX 668

USAA EQ 648

USAA TU 652

 

Credit.com 623 but that's last month. I can't update until the 13th. I have had two baddies drop since then. An unpaid judgment I got vacated and deleted and a 5 year old CA for $4K that was deleted.

 

I still have three baddies. One paid tax lien from 2009. One 30 day late from mid 2011 on mortgage. One paid CO paid off in June. EX has 5 good closed accounts. TU and EQ have one. The tax lien doesn't show on TU.

[BobWang]

CS: 723

PSECU: 613

 

Perhaps CS is ignoring a 9 year-old BK?

When CS first came out, it became clear very quickly that baddies were not being included.

 

That's why I'm also asking people to check out Credit.com's Experian score to see if THAT's any closer.

[BobWang]

PSECU 693

CS 679

CK Transrisk 610

CK Vantage 663

USAA EX 668

USAA EQ 648

USAA TU 652

 

Credit.com 623 but that's last month. I can't update until the 13th. I have had two baddies drop since then. An unpaid judgment I got vacated and deleted and a 5 year old CA for $4K that was deleted.

 

I still have three baddies. One paid tax lien from 2009. One 30 day late from mid 2011 on mortgage. One paid CO paid off in June. EX has 5 good closed accounts. TU and EQ have one. The tax lien doesn't show on TU.

Thanks, that's the kind of data I like.

[VolFan]

EX = 701 (Amex Pull 7/21/12)

CS = 699 (8/3)

C.com FAKO = 714 (8/9)

 

No negatives at all, approximately 30% util, 5 EX inquiries in past year (2 drop off end of this month)

Edited August 9, 2012 by VolFan

[BobWang]

EX = 701 (Amex Pull 7/21/12)

CS = 699 (8/3)

C.com FAKO = 714 (8/9)

 

No negatives at all, approximately 30% util, 5 EX inquiries in past year (2 drop off end of this month)

The FICO Estimator scores 3,4,5 inquiries the same.

 

It'll be interesting to see if your FICO is unchanged moving from 5 to 3, but then gets small bumps going from 3 to 0.

 

http://creditboards....dpost&p=4730099

[Roland99]

CS: 723

PSECU: 613

 

Perhaps CS is ignoring a 9 year-old BK?

When CS first came out, it became clear very quickly that baddies were not being included.

 

That's why I'm also asking people to check out Credit.com's Experian score to see if THAT's any closer.

 

 

Bah...can't pull up credit.com. Perhaps due to freeze on EX?

[BobWang]

Yes, Experian cannot be frozen when you first try to sign up for Credit.com

[GoCardinals]

PSECU 629

Mortgage 629

C.Com 625

CS 650

[BobWang]

PSECU 629

Mortgage 629

C.Com 625

CS 650

Thanks, I think we're going to see that Cc will be closer than CS for files that have some blemishes.

[GoCardinals]

Bob, I would like to share some data with you....can you allow me to send a PM?

[GoCardinals]

Oh FYI my only negative on experian is a paid judgement from 2009. I dont have any idea why the fico is 50 points lower than TU that is 98% the same exact report. Drives me CRAZY.

[BobWang]

Bob, I would like to share some data with you....can you allow me to send a PM?

You know I'm terrible at keeping secrets, right?

[BobWang]

Oh FYI my only negative on experian is a paid judgement from 2009. I dont have any idea why the fico is 50 points lower than TU that is 98% the same exact report. Drives me CRAZY.

It could be worse:

 

http://creditboards.com/forums/index.php?showtopic=497484&view=findpost&p=4730519

[Wired All Wrong]

PSECU - 694

C.c - 766 (I wish to have that one for real lol)

USAA - 668

MPM - 577

 

…clearly it's all over the place for me

[deemac]

July PSECU Exp: 725 (big woohoo; that's up from 684 in June)

Cc Fako: 746

 

BK7 10/05 plus 3 tax liens that were paid in 08. Interestingly, while it includes the public records in the profile, it doesn't mention them at all in the "credit grades" section.

1 acct with a 30 day late from over 2 years ago.

Biggest negative factor was debt to credit at 20%, followed by limited mix of credit types. (I've got revolving and auto loans, no mortgage or student loans.)

[GoCardinals]

Oh FYI my only negative on experian is a paid judgement from 2009. I dont have any idea why the fico is 50 points lower than TU that is 98% the same exact report. Drives me CRAZY.

It could be worse:

 

http://creditboards.com/forums/index.php?showtopic=497484&view=findpost&p=4730519

 

 

That IS pretty terrible..... However the Judgement is on BOTH EX and TU. I dont have any idea why the reports are 50 points different. The only noticeable difference between the reports is EX has about 3 more inq in the last 12 months than TU. All this FICO business gives me a headache! I think ill start a new thread for this and see what I can find out.

[jeff1964]

July PSECU FICO 659

 

July Cc FAKO 668

 

USAA/C$ FAKO 730

 

CS is 728, right?

 

 

 

 

Sorry Bob, just saw this post....yes my July CS was 728.....

 

 

[T1C]

I think I'm still at 795... I need to update it.