Experian FICO Approximation

[MelodyT]

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.

 

 

Sweet! What's my prize?

[BobWang]

n=13, m=0.995, r=0.981

 

n=15, m=0.98, r=0.85

[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.

 

 

Sweet! What's my prize?

A badge.

[MelodyT]

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.

 

 

Sweet! What's my prize?

A badge.

 

Awesome! I'll take it. Sport it proudly, even.

[luckydriver]

CS 673 psecu 680

[BobWang]

CS PSECU

654 634

654 652

673 680

677 688

690 689

698 713

699 697

720 699

725 717

754 684

767 672

767 768

792 789

804 785

826 823

[goldtrad]

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?

 

Actually no. Quizzle I believe is a TU score of some kind. Anyway I had a TU FICO of 801 with a Quizzle score of 736. Needless to say I never will bother with that again.

[BobWang]

http://www.creditses...it-score-range/

However, all three Credit bureaus provide their versions of the FICO score that is measured on the 850 scale. For example, Experian's version is called the National Equivalency Score and can be viewed every month for free right here at CreditSesame.com.

[cranston3]

psecu 724

cs 778

[Culpeper Mike]

alright so, when i log into credit sesame now and i go to "my finances" it says "last updated xx/xx/xx"

 

i dont see a way to get an updated score. what is this, monthly? one and done?

[BobWang]

Credit Sesame PSECU

654 634

654 652

673 680

677 688

690 689

698 713

699 697

720 699

725 717

754 684

767 672

767 768

778 724

792 789

804 785

826 823

 

n=16, m=0.9765, r=0.8378

n=13, m=0.995, r=0.9808

 

I'm arbitrarily re-calculating, ignoring CS > |50| different from PSECU

Both sets of data are important, though.

So please keep posting even wildly divergent scores.

[BobWang]

alright so, when i log into credit sesame now and i go to "my finances" it says "last updated xx/xx/xx"

 

i dont see a way to get an updated score. what is this, monthly? one and done?

Monthly

[BobWang]

CreditSesame PSECU

654 634

654 652

673 680

677 688

690 689

698 713

699 697

720 699

725 717

754 684

767 672

767 768

778 724

792 789

804 785

825 700

826 823

 

n=17, m=0.967, r=0.7421

n=13, m=0.995, r=0.9808

[BobWang]

CreditSesame PSECU |Diff|

654 634 20

654 652 2

673 680 7

677 688 11

690 689 1

698 713 15

699 697 2

720 699 21

725 717 8

754 684 70

767 672 95

767 768 1

778 724 54

792 789 3

804 785 19

825 700 125

826 823 3

 

n=17, m=0.967, r=0.7421

n=13, m=0.995, r=0.9808

[winstars]

http://www.creditses...it-score-range/

However, all three Credit bureaus provide their versions of the FICO score that is measured on the 850 scale. For example, Experian's version is called the National Equivalency Score and can be viewed every month for free right here at CreditSesame.com.

 

 

I saw that every month bit also. Do we know if that is every calender month or 30 days from from you got your score from them. Mine says i got it on September 20th so do I get a fresh one on the 1st of October or the 20th...

Edited September 25, 2011 by winstars

[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!

 

 

 

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???

 

 

For starters, my EX still have my BK7 listed...it's the only baddie across all 3 CRAs.

 

As for why my EX is lower now, well, I guess having a lot (like 20) new accounts in the last 16 months (although 5 of those have since been closed) at about 40% util is more of a FICO hit than having several unpaid CAs (a couple within the last year or two) and 3 small CL cards near their limits.

[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???

 

 

For starters, my EX still have my BK7 listed...it's the only baddie across all 3 CRAs.

 

As for why my EX is lower now, well, I guess having a lot (like 20) new accounts in the last 16 months (although 5 of those have since been closed) at about 40% util is more of a FICO hit than having several unpaid CAs (a couple within the last year or two) and 3 small CL cards near their limits.

 

 

Thanks for the answer, just trying to figure out how it all works, trying being the operative word.

[Roland99]

For starters, my EX still have my BK7 listed...it's the only baddie across all 3 CRAs.

 

As for why my EX is lower now, well, I guess having a lot (like 20) new accounts in the last 16 months (although 5 of those have since been closed) at about 40% util is more of a FICO hit than having several unpaid CAs (a couple within the last year or two) and 3 small CL cards near their limits.

 

 

Thanks for the answer, just trying to figure out how it all works, trying being the operative word.

 

 

Well, when you figure it out, let us in on it!

[winstars]

For starters, my EX still have my BK7 listed...it's the only baddie across all 3 CRAs.

 

As for why my EX is lower now, well, I guess having a lot (like 20) new accounts in the last 16 months (although 5 of those have since been closed) at about 40% util is more of a FICO hit than having several unpaid CAs (a couple within the last year or two) and 3 small CL cards near their limits.

 

 

Thanks for the answer, just trying to figure out how it all works, trying being the operative word.

 

 

Well, when you figure it out, let us in on it!

 

The date: the 12th of Never comes to mind!

[bon]

Credit Sesame gave me 699. I have a feeling that is way off, but no way to find out.

 

USAA had EX at 654 for me today.

[winstars]

Credit Sesame gave me 699. I have a feeling that is way off, but no way to find out.

 

USAA had EX at 654 for me today.

 

 

Any public records as baddies????

[foeplay]

CS: 689

PSECU: 654

 

Edited September 27, 2011 by foeplay

[BobWang]

CreditSesame PSECU |Diff|

654 634 20

654 652 2

673 680 7

677 688 11

689 654 35

690 689 1

698 713 15

699 697 2

720 699 21

725 717 8

754 684 70

767 672 95

767 768 1

778 724 54

792 789 3

804 785 19

825 700 125

826 823 3

 

n=18, m=0.966, r=0.7529

n=13, m=0.995, r=0.9808

[BobWang]

CS: 689

PSECU: 654

 

That gives me an idea for a siggy update!

[foeplay]