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Experian FICO Approximation


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201 replies to this topic

#1 BobWang

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Posted 23 September 2011 - 02:56 PM

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/

#2 higher180

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Posted 23 September 2011 - 03:03 PM

I'm not sure if this helps, but my CCMP score is 595 and my credit sesame is 657. I wonder which one is more accurate LOL!

#3 foeplay

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Posted 23 September 2011 - 03:11 PM

I've never eaten at Credit Sesame, but it sounds delicious.

#4 higher180

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Posted 23 September 2011 - 03:18 PM

I've never eaten at Credit Sesame, but it sounds delicious.



it does doesn't it? :rofl:

#5 dylan_goes_electric

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Posted 23 September 2011 - 03:19 PM

I've never eaten at Credit Sesame, but it sounds delicious.

LOL

Would ingesting Credit Sesame would show up on a drug screen?

#6 trying_to_improve

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Posted 23 September 2011 - 03:25 PM


I've never eaten at Credit Sesame, but it sounds delicious.

LOL

Would ingesting Credit Sesame would show up on a drug screen?


No, that's just poppy. :rofl:

#7 BobWang

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Posted 23 September 2011 - 03:35 PM

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#8 mysschevous

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Posted 23 September 2011 - 03:42 PM

Credit Sesame 798
Amex letter with approval 801

#9 trying_to_improve

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Posted 23 September 2011 - 04:02 PM

This is actually encouraging. My creditsesame score is 652. I have no idea what my ex score is. My ex report has 2 more baddies than my other reports so I always assumed my score would be lower.

#10 Roland99

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Posted 23 September 2011 - 04:15 PM

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

#11 Culpeper Mike

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Posted 23 September 2011 - 04:20 PM

Not sure how helpful this will be correlation wise.

My Amex experian was 785ish like 6 months ago

Credit sesame score is 804.

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#12 Culpeper Mike

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Posted 23 September 2011 - 04:23 PM

is there a way to get an accurate amex experian fico? when i use amex credit secure i get a MUCH lower number. i'm assuming its fako, but obv i'm using it for B* purposes.

#13 sixhose

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Posted 23 September 2011 - 04:24 PM

PSECU: 634
CS: 654

#14 BobWang

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Posted 23 September 2011 - 04:48 PM

is there a way to get an accurate amex experian fico? when i use amex credit secure i get a MUCH lower number. i'm assuming its fako, but obv i'm using it for B* purposes.

Fair Isaac lost its bid to trademark the 300-850 score range.

Credit Sesame & TransRisk use the same 300-850 range, PLUS (CreditSecure, CCT, CCMP) uses a different scale.

#15 BobWang

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Posted 23 September 2011 - 04:50 PM


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! :P

#16 BobWang

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Posted 23 September 2011 - 04:52 PM

Credit Sesame 798
Amex letter with approval 801

Well, 3 of us are within 3 points of the real FICO. :D

#17 BobWang

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Posted 23 September 2011 - 04:53 PM

Not sure how helpful this will be correlation wise.

My Amex experian was 785ish like 6 months ago

Credit sesame score is 804.

I bet your Experian FICO has gone up.

#18 BobWang

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Posted 23 September 2011 - 04:57 PM


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/


say is creditsesame considered a fako related scoring model?

Yes, it's a FAKO.

I'm suspecting that it has to be pretty close for scores > 740.

Otherwise, they'd be opening themselves up to liability from people who relied on the "Credit Guru" Badge.

Credit Sesame has ME as a "Credit Guru", FWIW. :P

#19 BobWang

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Posted 23 September 2011 - 04:59 PM

PSECU: 634
CS: 654

My working hypothesis is that it's real close once we start approaching the 800 range.

#20 BobWang

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Posted 23 September 2011 - 05:08 PM

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#21 MagicianCard

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Posted 23 September 2011 - 05:16 PM

CreditKarma: 549
CreditSesame: 597
USAA Experian: 551

Real FICO... sh*t, I dunno.

#22 winstars

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Posted 23 September 2011 - 05:19 PM

796---CCMP
788---C$
796---EX PLUS

Real EX??? could not tell ya!!!

Edited by winstars, 23 September 2011 - 05:39 PM.


#23 BobWang

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Posted 23 September 2011 - 05:23 PM

This is going to get confusing.

I propose using different acronyms for CreditSecure and Credit Sesame .

One can be CS and the other C$ :P

#24 justlost

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Posted 23 September 2011 - 05:29 PM

CreditKarma:
TransRisk: 708
Vantage Score: 833
CreditSesame: 767
USAA Experian: 771

EX PSECU 672.

#25 distantarray

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Posted 23 September 2011 - 05:30 PM

it seems about right my score says 641 experian my equifax fico is about the same almost everything reporting identically.




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