147 replies to this topic

[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 by CIO, 12 April 2012 - 03:56 AM.

[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!