The Master Credit Sesame National Equivalency Score Thread

[BobWang]

n=35, r=0.773

 

n=71, r=0.813

[BobWang]

n=38, r=0.786

 

 

n=74, r=0.811

[Gaby10]

Credit Sesame: 820

EX FICO: 795

[Mike Lowry]

My second data point:

PSECU December: 734

Credit Sesame December: 793

Credit Karma December: 769

 

Never had a negative, over 20 accounts in good standing, very short AAOA at about 2 years.

[goldtrad]

PSECU 806

 

Credit Sesame 784

 

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

 

Today's score from PSECU was 802 last CS 784.

[ScoreGoals]

PSECU - 753

CS - 738

FCR.com - 721

[MannyLNJ]

Bob hope this helps.

 

Credit Sesame Score as of 12/12/2011---------680

Credit Karma Trans Risk as of 12/12/2011------678

Credit Karma Vantage score as of 12/12/2011---715

Alliant Vantage Score as of unknown date-------620

PSECU FICO® as of 12/7/2011----------------656

Walmart FICO® as of 12/5/11----------------670

 

USAA Credit Check Monitoring on 12/12/11--Experian 669

USAA Credit Check Monitoring on 12/12/11--Equifax 659

USAA Credit Check Monitoring on 12/12/11--TransUnion 672

[Creditus Maximus]

PSECU: 751

 

Credit Sesame: 737

 

N.B. PSECU score does not include one additional inquiry.

[BobWang]

n=40, r=0.796

 

n=77, r=0.82

[1234]

Sorry Bob but I missed this one here you go

 

Credit Sesame December 773

 

Experian Fico 808

[BobWang]

Sorry Bob but I missed this one here you go

 

Credit Sesame December 773

 

Experian Fico 808

Thanks, 1234.

[BobWang]

n=40, r=0.797

 

n=78, r=0.822

 

Diff Num %

-30 1 3%

-20 3 8%

-10 6 15%

0 4 10%

10 4 10%

20 6 15%

30 3 8%

40 3 8%

50 3 8%

60 4 10%

70 1 3%

80 0 0%

90 1 3%

100 1 3%

[luckydriver]

today psecu 690 and sesame is 682

[BW1216]

PSECU 12/7: 613???

B of A 12/9: 636

Credit Sesame 12/5: 674

 

Don't get how PSECU and B of A are so different. B of A was for a CLI, letter clearly states Experian FICO was used. No reason for 23 point jump in 2 days either.

[BobWang]

n=42, r=0.801

 

n=80, r=0.824

 

Diff Freq Percent

-30 1 2%

-20 3 7%

-10 5 12%

0 5 12%

10 4 10%

20 6 14%

30 3 7%

40 3 7%

50 4 10%

60 4 10%

70 2 5%

80 0 0%

90 1 2%

100 1 2%

[BobWang]

^

[1234]

n=42, r=0.801

 

n=80, r=0.824

 

Diff Freq Percent

-30 1 2%

-20 3 7%

-10 5 12%

0 5 12%

10 4 10%

20 6 14%

30 3 7%

40 3 7%

50 4 10%

60 4 10%

70 2 5%

80 0 0%

90 1 2%

100 1 2%

 

So Bob it looks like -20 or +20 at this point on the average?

[1234]

I gave my December but here my November

 

CS-791

EX Fico-826

[BobWang]

So Bob it looks like -20 or +20 at this point on the average?

Yup, ~55% in that range.

[BobWang]

62% are +/- 25 points.

 

As I get more data, I may go back to using 5 point buckets, instead of 10.

[1234]

62% are +/- 25 points.

 

As I get more data, I may go back to using 5 point buckets, instead of 10.

 

I hope we get more input on data so get a better handle on it. I wish we could get more peoples input.

[BobWang]

Anyone reticent about publicly posting their scores, just ask me to PM you, and I'll collect your data privately.

[TrevorHere]

Ok, finally signed up for credit sesame this morning.

 

Score: 824

 

PSECU: 801

[BobWang]

n=43, r=0.816

 

Dif Freq Percent

-35 1 2%

-30 0 0%

-25 1 2%

-20 2 5%

-15 4 9%

-10 1 2%

-5 2 5%

0 3 7%

5 3 7%

10 1 2%

15 3 7%

20 3 7%

25 3 7%

30 1 2%

35 3 7%

40 0 0%

45 1 2%

50 3 7%

55 2 5%

60 2 5%

65 1 2%

70 1 2%

75 0 0%

80 0 0%

85 0 0%

90 1 2%

95 1 2%

 

n=81, r=0.83

 

Diff Freq Percent

-90 1 1%

-50 2 2%

-45 0 0%

-40 0 0%

-35 3 4%

-30 2 2%

-25 2 2%

-20 1 1%

-15 7 9%

-10 4 5%

-5 1 1%

0 8 10%

5 9 11%

10 1 1%

15 5 6%

20 5 6%

25 6 7%

30 0 0%

35 2 2%

40 2 2%

45 2 2%

50 6 7%

55 4 5%

60 3 4%

65 1 1%

70 1 1%

75 0 0%

80 0 0%

85 0 0%

90 1 1%

95 1 1%

100 0 0%

More 1 1%

[BobWang]