A Special Plea to Those Who Have Recent Experian FICO Scores

[deadbishop]

May psecu ex fico 649

[Rebuilding2010]

 

May psecu ex fico 649

They want credit sesame, or other monitoring scores, to compare, not just psecu. Are you signed up for other services?

[hrguy]

 

Feb: PSECU was at its highest since BK d/c: 644, CS came in at its highest: 599

midmonth the mtg company messed up my IIB reporting, PSECU dropped to 575, CS went to 583

 

May: PSECU recovers to 640, CS went to 592

Is it just me, or am I the only one who only got 2 scores from Cc this month?

 

5/19 Cc update: 630 Experian Score, 680 Estimated Fico, no Vantage present

[BobWang]

Somebody else reported that too.

[eedwards32]

 

 

Feb: PSECU was at its highest since BK d/c: 644, CS came in at its highest: 599

midmonth the mtg company messed up my IIB reporting, PSECU dropped to 575, CS went to 583

 

May: PSECU recovers to 640, CS went to 592

Is it just me, or am I the only one who only got 2 scores from Cc this month?

 

5/19 Cc update: 630 Experian Score, 680 Estimated Fico, no Vantage present

The main score is the Vantage. There is a "New - About my Score" link under your main score. It states that your score is the latest Vantage score from Experian based on a scale of 300-850. I don't like it as it is much lower than my FICO scores. Their FAKO is almost spot on though...it used to be the other way around!

[BobWang]

Now we can compare myFICO's Experian FICO to the 2 freebies

 

CreditSesame.com

 

Credit.com

 

If your myFICO Experian is close to CS or Cc,

 

you can save money by following the freebies.

 

So, if you've splurged on the EX FICO,

 

please compare it to CS & Cc

[Ludic]

I decided to take one for the team.

 

Ex FICO 724

 

Credit.com 666

their fico estimate 700

 

Dont have credit sesame because they say my address "doesn't exist"

[hrguy]

Good data point and close. Now we just need a PSECU member that has both FAKO's and will buy a myFico EX

[ckvb]

EX Fico - 727

 

Credit.com - 653

 

CS - 662

[BobWang]

EX Fico - 727

 

Credit.com - 653

 

CS - 662

 

Interesting, thanks!

[BDK]

 

 

 

 

 

 

 

July PSECU: 699

CS: 725

Cc: 707 estimated FICO: 697 estimated Vantage: 733

C$ and CCMP - STUCK on STUPID forever: 723

August PSECU: 695

CS: 728

Cc: 728 estimated FICO: 713 estimated Vantage: 763

C$ and CCMP - NOT STUCK on STUPID: 714

 

September PSECU: 701

CS: 735

Cc: 730 estimated FICO: 715 estimated Vantage: 765

CCMP - BACK TO STUCK on STUPID: 723

 

October PSECU: 717

CS: 738

Cc: 732 estimated FICO: 717 estimated Vantage: 768

CCMP - STILL STUCK on STUPID: 723

AMEX FICO from letter: 755 WTH?

 

November PSECU: 720

CS: 740

Cc: 735 estimated FICO: 720 estimated Vantage: 770

CCMP - SIMPLY STUCK on STUPID: 723

US Bank FICO from letter: 703 WTH?

 

December PSECU: 720

CS: 743

Cc: 736 estimated FICO: 720 estimated Vantage: 770

CCMP - SSoS: 723

NOTE: 3 straight months that Cc estimated FICO has exactly matched PSECU FICO

 

January PSECU: 714

CS: 749

Cc: 736 estimated FICO: 721 estimated Vantage: 770

CCMP - SSoS: 723

NOTE: 3 straight months that Cc estimated FICO has exactly matched PSECU FICO So much for THAT trend!

June 1 PSECU: 709

June 13 CCMP: 728

June 5 Cc: 718 estimated FICO: 740

June 13 myFICO: 762

[BobWang]

Cc Estimated FICO is beginning to look closer than CS.

[BobWang]

Oh, never mind, I just saw the 749 CS score.

[Mo Munny Mo Problems]

For Bob..

 

Today:

 

 

Credit.Com Experian 733

 

 

I got A+ in all catagories except "Credit Mix".

 

Presumeably because I do not have a mortgage

 

I have 5 paid student loans and 2 still in repayment

1 car still in repayment

2 open charge cards

2 open credit cards

2 closed credit cards

 

The same day from myfico.com I get:

 

 

With the only negative thing it says is that I do not have a current balance on any of my credit cards.

 

I have 10 INQs, but only 2 in the last 12 months

 

 

 

I'd post my PSECU FICO, but it would be apples to oranges because I had 22% Util. FWIW, it was 742. So not *much difference between "There is no recent activity on your credit cards." and 22% Util.

 

All else being equal.

 

 

Strange.

 

Also, I recently did my TU FICO without any balances and it was 770.

 

TU FICO ScorePower Report had said the same thing...

 

 

"There is no recent activity on your credit cards. "

 

Thats it.

Edited June 15, 2013 by Mo Munny Mo Problems

[hrguy]

It seems as if folks without mortgages are making it into the 800's on the mid-older models, is this correct Bob? Possible on newer ones as well?

[Mo Munny Mo Problems]

It seems as if folks without mortgages are making it into the 800's on the mid-older models, is this correct Bob? Possible on newer ones as well?

 

So the myfico.com TU FICO is TU98 right? (770 FICO) and what model is the Experian FICO? (777)

 

Equifax FICO from myfico.com is Beacon 5.0 right?

 

 

I was just reading around and found this about the new FICO 8 that we cant buy but is available to lenders:

 

http://www.myfico.com/crediteducation/questions/fico8.aspx

[Mo Munny Mo Problems]

It says FICO 8 utterly ignores collections with an original balance of under $100.

 

I guess it keeps otherwise great credit profiles from being passed up by lenders just because of sme minor things. Cool

Edited June 15, 2013 by Mo Munny Mo Problems

[hrguy]

 

It seems as if folks without mortgages are making it into the 800's on the mid-older models, is this correct Bob? Possible on newer ones as well?

 

So the myfico.com TU FICO is TU98 right? (770 FICO) and what model is the Experian FICO? (777)

 

Equifax FICO from myfico.com is Beacon 5.0 right?

 

 

I was just reading around and found this about the new FICO 8 that we cant buy but is available to lenders:

 

http://www.myfico.com/crediteducation/questions/fico8.aspx

they think the myfico EX is 08. yes, you are right about EQ and TU

[Mo Munny Mo Problems]

 

 

It seems as if folks without mortgages are making it into the 800's on the mid-older models, is this correct Bob? Possible on newer ones as well?

 

So the myfico.com TU FICO is TU98 right? (770 FICO) and what model is the Experian FICO? (777)

 

Equifax FICO from myfico.com is Beacon 5.0 right?

 

 

I was just reading around and found this about the new FICO 8 that we cant buy but is available to lenders:

 

http://www.myfico.com/crediteducation/questions/fico8.aspx

they think the myfico EX is 08. yes, you are right about EQ and TU

 

and WM is TU04?

 

Dang it all these are specifically to confuze the layman lol

[hrguy]

you need a chart? lol

 

TU08 is walmart

[Mo Munny Mo Problems]

 

 

It seems as if folks without mortgages are making it into the 800's on the mid-older models, is this correct Bob? Possible on newer ones as well?

 

So the myfico.com TU FICO is TU98 right? (770 FICO) and what model is the Experian FICO? (777)

 

Equifax FICO from myfico.com is Beacon 5.0 right?

 

 

I was just reading around and found this about the new FICO 8 that we cant buy but is available to lenders:

 

http://www.myfico.com/crediteducation/questions/fico8.aspx

they think the myfico EX is 08. yes, you are right about EQ and TU

 

as in FICO 08?

 

if so. From what I read, it penalizes you more for high utilizatin on one card or overall Util.

 

also more for multiple lates, but less for a single isolated late payment.

 

and then theres the <$100 Collections being completely ignored.

 

Thats it. Easy to remember.

[Mo Munny Mo Problems]

you need a chart? lol

 

TU08 is walmart

 

No im pretty good at remembering once Ive actually USED the material first-hand. This qualifies/

 

TU08 for WM. Cool. Thatd be the only reason I would EVER get that card LL

[melikey]

Dead on for me.

 

MYFICO EX: 689

 

 

Credit.com: 689

• FICO estimate: 690
• Vantage estimate 648

 

Credit Sesame: 687

Edited June 15, 2013 by melikey

[Maizerulz]

 

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.

any factors anyone knows of that swings it up or down ?

[Mo Munny Mo Problems]

IDK Mines 733 @ Credit.com VS 777 @ myfico.com

 

Thats about as wide as Ive ever seen. Arent they usually dead on?

 

44 Points is a LOT

 

ACTUALLY, it says my FICO estimate is 730 so technically a 47 point difference going by the FICO estimate.

 

Same day. June 14, 2013.

Edited June 15, 2013 by Mo Munny Mo Problems