147 replies to this topic

[foeplay]

Just got a CS update... 690

I'll be thrilled if I'm at 670 on PSECU score next week. I've been at 654 forever.

[Back2kcaB]

I received the update last night and my credit sesame showing 691 but myfico score is 629

[onedeterminedgirl]

Hi there Bob, more data for you.

CreditSesame:727 (12/6/11)
CreditKarma:707 (12/6/11)
Quizzle: 746 (12/1/11)
FICO Equ: 735 (11/30/11)
FICO TU: 716 (11/15/11)
Wells Fargo ID Theft: Exp - 713, Eq - 738, TU 699 (12/5/11)

Thanks a million,
onedetermindedgirl

[BobWang]

Very interesting, we're starting to see a Bimodal distribution with peaks at 0 and +60

[Riled]

EQ FICO 767
TU FICO 772
EX PLUS 764 (free from expiriandirect.com with US Bank card)
creditkarma 787

creditsesame 739

So I'd say creditsesame remains a good 20-30 points low for me. Thus I do not like creditsesame.

[TheCaptain11]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11, (Credit Sesame) -702 12/05/11
TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643
EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Edited by TheCaptain11, 06 December 2011 - 02:18 PM.

[BobWang]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11
TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643
EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Do you have a Credit Sesame score?

[TheCaptain11]

EX FICO (Amex) -668 12/1/11, (USAA) -702 12/06/11, (MPM) -621 12/06/11
TU (Walmart FICO) -628 11/23/11(Barclays denial) -658 11/30/11, (USAA) -712 12/06/11, (Truecredit) -713 12/06/011, (MPM) -635 12/06/11, (Credit Karma) -643
EQ (EC) -616 12/06/11, (USAA) -712 12/06/011, (MPM) -625 12/06/11

I just had a defaulted student loan removed from TU as of this morning also.

quite a variation

Do you have a Credit Sesame score?

(Credit Sesame) -702 12/05/11

[cashnocredit]

12/5/11
CS: 827
EQ FICO: 780

[BobWang]

[BobWang]

With 60 CBers, definitely looking bimodal, with a systematic bias of +50 points for the secondary peak

[Prady]

My Credit Sesame score is a 590 when it updated this month. I have a mortgage lender pull 3 days before and a score of 680 for EX..

Thanks, Ch, you and Prady are outliers on opposite sides.

U laughin at my misery bud? lol

Edited by Prady, 06 December 2011 - 03:27 PM.

[BobWang]

My Credit Sesame score is a 590 when it updated this month. I have a mortgage lender pull 3 days before and a score of 680 for EX..

Thanks, Ch, you and Prady are outliers on opposite sides.

U laughin at my misery bud? lol

Have the score gotten any closer?

[BobWang]

score[s]

[BobWang]

[Matti]

True Experian Fico - 684 (One of my local CUs pulled it for me)
Credit Sesame - 666 (Woohoo... lol)

Almost 20 points difference.

Update... Credit sesame says 666 and I just got my Exp Fico from my Discover app on Tuesday and it's 698.

[BobWang]

Thanks, Matti.

I AM entering all the new data, I just won't be posting new histograms all the time.

[goldtrad]

PSECU 806

Credit Sesame 784

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

[BobWang]

[BobWang]

[BobWang]

The raw data:

Date CS Avg PSECU AmEx Eq Ex TU CK ECEq ECEx ECTU GEMB MPEq MPEx MPTU PLUSEq PLUSEx PLUSTU Quzl VSEq VSEx VSTU 53WFEq 53WFEx 53WFTU Diff
10/10/11 720 720 720 0
11/09/11 683 683 683 0
12/05/11 632 633 611 655 (1)
11/02/11 709 708 708 777 1
09/23/11 690 689 689 1
11/10/11 709 710 715 705 (1)
10/08/11 695 696 696 (1)
11/11/11 730 731 731 (1)
12/05/11 727 726 735 716 707 746 738 713 699 2
09/24/11 654 652 652 2
12/05/11 817 819 819 (2)
09/23/11 699 697 697 2
09/23/11 798 801 801 (3)
11/05/11 641 644 608 658 667 (3)
10/15/11 835 831 831 4
09/27/11 696 691 691 5
10/08/11 731 725 725 6
11/09/11 828 821 823 816 825 785 820 789 796 872 798 783 786 990 951 7
11/14/11 635 628 628 7
11/18/11 735 744 725 729 777 740 747 770 (9)
12/05/11 733 724 724 9
11/09/11 755 765 765 (10)
12/05/11 786 797 797 (11)
09/23/11 677 688 688 (11)
11/17/11 695 683 696 677 677 699 681 693 709 713 12
12/05/11 713 701 701 612 694 639 642 728 735 669 640 707 698 705 754 684 12
09/23/11 732 744 744 (12)
11/05/11 655 640 640 15
11/09/11 674 689 689 (15)
08/06/11 698 713 713 (15)
11/19/11 795 778 771 785 779 804 792 771 784 990 17
10/08/11 800 817 817 (17)
10/08/11 734 717 717 17
09/23/11 654 634 634 20
12/05/11 784 806 806 (22)
10/18/11 684 660 660 24
12/05/11 690 664 654 628 710 26
11/04/11 654 681 681 (27)
10/13/11 729 759 779 738 (30)
12/05/11 739 770 767 772 787 764 (31)
12/06/11 666 700 702 698 634 647 (34)
11/04/11 789 753 753 36
11/10/11 606 567 567 566 542 592 588 587 40
12/05/11 807 767 785 769 746 40
10/08/11 619 575 575 44
12/05/11 827 780 780 47
12/05/11 740 691 691 49
11/05/11 745 696 702 689 50
10/10/11 775 724 724 51
11/09/11 590 641 641 (51)
11/20/11 678 730 730 688 (52)
09/24/11 804 751 751 53
12/05/11 702 648 668 628 643 616 625 621 635 712 702 712 54
12/05/11 787 730 730 57
11/09/11 777 720 720 57
11/09/11 755 697 714 679 59
12/05/11 691 629 629 62
11/09/11 754 685 685 69
10/08/11 765 678 678 87
11/17/11 590 680 680 (90)
09/23/11 767 672 672 95

[BobWang]

[BobWang]

[BobWang]

[BobWang]