The Master Credit Sesame National Equivalency Score Thread

[BobWang]

http://www.sfgate.co...rweb9198266.DTL

Credit Sesame takes the guesswork out of finding the right credit card by analyzing the consumer's existing financial profile, goals and credit score to provide credit card recommendations best fit for their individual needs.

 

The study analyzed over 1.6 million existing credit card accounts and found two distinct groups of cardholders-those interested in saving money through the best rates and those interested in the best rewards program offers:

[BobWang]

[nerve64]

Bob, would you consider other sources of Experian scores, such as from cc approvals or denials?

[BobWang]

Bob, would you consider other sources of Experian scores, such as from cc approvals or denials?

Absolutely, any FICO, Equifax, Experian, TransUnion is welcome.

 

In fact, if you DO have a FICO, go ahead and give me FAKOs as well.

 

If you ONLY have FAKOs, I won't include the data.

 

I only track the FAKOs out of idle curiosity.

[nerve64]

Thanks Bob.

 

CS (March 7 update) - 687

 

Experian (?FICO) after Citi Aadvantage card approval (February 27) - 715

[BobWang]

[CreditGrasshoppa]

CS-615 (blah)

Walmart TU-655

Eq (from Discover approval letter) 640

[Mike Lowry]

March:

Credit Sesame: 797

PSECU: 733

CK: 759

[namars]

CS: 771

PSECU: 782

CK: 765

[luckydriver]

680 psecu

682 cs

[pakman]

Hi, I've been lurking for a while but decided to post on this interesting thread. Great work Bob. If you have all the raw data you've collected, it would be interesting to see if the correlation is tighter for certain score ranges.

 

700+

600-700

500-600

 

etc.

 

 

 

 

[BobWang]

[BobWang]

Hi, I've been lurking for a while but decided to post on this interesting thread. Great work Bob. If you have all the raw data you've collected, it would be interesting to see if the correlation is tighter for certain score ranges.

 

700+

600-700

500-600

 

etc.

 

 

 

 

Somehow missed this request.

 

THAT *IS* an interesting question.

 

Give me a few minutes to crank out the correlations.

[BobWang]

I had to check and double-check, but here are the numbers:

 

Credit Sesame vs PSECU FICO Correlations

 

600s CS n=19 r=0.518903

 

700s CS n=33 r=0.543474

 

800s CS n=4 r=0.81514

 

All CSs n=56 r=0.804557

[Android01]

I had to check and double-check, but here are the numbers:

 

Credit Sesame vs PSECU FICO Correlations

 

600s CS n=19 r=0.518903

 

700s CS n=33 r=0.543474

 

800s CS n=4 r=0.81514

 

All CSs n=56 r=0.804557

 

Translation please?

[BobWang]

Strongly correlated for CS scores >= 800

 

Much weaker correlation for lower scores

[CIO]

Now within 1 point of my last EX FICO (829). My TU FICO is 837. FICO 08 sure loves CPs.

 

Edited April 12, 2012 by CIO

[BobWang]

[luckydriver]

last month PSECU 690..this month 678

 

last month CS 682 now its 692

[BobWang]

Credit Sesame Secures $12 Million, Sees Tremendous Growth

Credit Sesame will use the funding to expand its market reach and to continue investing in its patent-pending analytic tools developed by Stanford University scientists and vetted by top banks. The company plans on hiring talent in marketing and engineering and enhancing its mobile app, the #1 free credit score app in the iTunes store.

[distantarray]

credit sesame 693

Amex 619 ; do i win the most difference award?

[BobWang]

credit sesame 693

Amex 619 ; do i win the most difference award?

Try Credit.com, and see if that's any closer.

[antifeik]

CS 643

Lender pull EX 630

Lender pull EQ 597,myfico 597

Lender pull TU 574,myfico 647,ugh!

[BobWang]

Do you all notice it ti be pretty accurate? As far as it listing all of your good and bad accounts?

For both my husband and I our house that we have a mortgage on it does not show up on there but it is on our exprian credit reports. On CS none of my medical collections show up but they are clearly on EX. I am concerned since I have 5 or 6 different reports on Transunion. I hope I am not looking at the with EX as well.

 

CS is well known to not consider all negatives.

[BobWang]

My, now time flies,

 

it's been 2 years.