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A Special Plea to PSECU Members


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258 replies to this topic

#1 BobWang

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Posted 11 December 2011 - 02:56 AM

Help out the CBers who can't get into PSECU.

The Credit Sesame National Equivalency Score is looking very close to PSECU's Experian FICO.



#2 BobWang

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Posted 11 December 2011 - 03:04 AM

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#3 TXDatN

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Posted 11 December 2011 - 03:11 AM

I'll post when PSECU updates the score for December. Should be in a couple of days I believe.

#4 Scorefighter

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Posted 11 December 2011 - 07:50 AM

I dont know how to do this with mine. I could register with the online part of PSECU today if you want. (I never did. I need to get the Android app too. I dont know how to do that either. Im an idiot. I just put money in and write checks and thats it.)

I have the checking, so do i have my EX FICO? (No, right?)

#5 BobWang

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Posted 11 December 2011 - 10:02 AM

I dont know how to do this with mine. I could register with the online part of PSECU today if you want. (I never did. I need to get the Android app too. I dont know how to do that either. Im an idiot. I just put money in and write checks and thats it.)

I have the checking, so do i have my EX FICO? (No, right?)

As I recall, all I had to do was to request the FICO online.

#6 BobWang

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Posted 11 December 2011 - 10:19 AM

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#7 BDK

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Posted 11 December 2011 - 10:33 AM

The Credit Sesame National Equivalency Score is looking very close to PSECU's Experian FICO.


Sorry Bob, I don't see ANY correlation between the two.

#8 BobWang

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Posted 11 December 2011 - 10:41 AM


The Credit Sesame National Equivalency Score is looking very close to PSECU's Experian FICO.


Sorry Bob, I don't see ANY correlation between the two.

As we get more data, I expect the bi-modal aspect to become clearer.

We have enough data to show bi-modal clearly for Average FICOs.

#9 BobWang

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Posted 11 December 2011 - 10:42 AM

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#10 BobWang

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Posted 11 December 2011 - 11:02 AM

n=26 r=0.722
n=61 r=0.815

Definitely correlated, but with systematic bias

#11 BobWang

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Posted 11 December 2011 - 11:08 AM

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
11/17/11 699 580 580 119

#12 goldtrad

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Posted 11 December 2011 - 12:43 PM

Mine were close until the latest CS update. 784 last EX from PSECU was 806. I'll post when my EX score updates this coming week.

#13 jason86423

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Posted 11 December 2011 - 01:00 PM

PSECU FICO - 725 (nov update)
BofA pulled EX fico - 786 (11/23)
CS - 727 (Dec 3 update)


I'll update my PSECU fico this week when it gets published.

#14 BobWang

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Posted 11 December 2011 - 02:32 PM

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#15 BobWang

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Posted 11 December 2011 - 02:39 PM

With 26 data points, Credit Sesame compared to the PSECU FICO:

13 or 50% are within 17 points.

10 or 38% are within 10 points.

#16 BDK

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Posted 11 December 2011 - 02:57 PM

I see 29 more data points that are 20-119 points different. :dntknw:

#17 BobWang

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Posted 11 December 2011 - 03:07 PM

This is just the PSECU data:

Date CS PSECU Diff
11/09/11 683 683 0
09/23/11 690 689 1
11/17/11 695 696 (1)
10/08/11 695 696 (1)
12/03/11 727 725 2
11/09/11 828 823 5
11/10/11 709 715 (6)
10/08/11 731 725 6
12/05/11 733 724 9
11/09/11 755 765 (10)
11/09/11 674 689 (15)
10/08/11 734 717 17
10/08/11 800 817 (17)
09/23/11 654 634 20
12/05/11 784 806 (22)
11/19/11 795 771 24
12/05/11 690 654 36
11/09/11 755 714 41
12/05/11 740 691 49
10/13/11 729 779 (50)
10/10/11 775 724 51
09/24/11 804 751 53
11/09/11 777 720 57
11/09/11 754 685 69
10/08/11 765 678 87
09/23/11 767 672 95

#18 BobWang

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Posted 11 December 2011 - 03:09 PM

I can do stats in my sleep. :P

#19 BobWang

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Posted 11 December 2011 - 03:57 PM

Maybe some historical background is needed here.

I never paid much attention to the Credit Sesame score before, because I thought it was just another FAKO, and I'd have to unfreeze Experian in order to get it.

When CS announced their badge program, I decided to check it out on a lark.
It only took looking at one score for me to realize that they were on to something.

That score was mine, only 3 points off from PSECU.
NO FAKO had even been within 20 points before for me.

Early on, CBers reported that CS didn't take into account baddies like PRs.
So, for some people, their CS score was way off.

It took about 50 CBers reporting before the bi-modality of the CS vs FICO score distribution became apparent to me.
The systematic over-estimate of CS scores not on the money was ~50 points.

I've been compiling all the scores people have been posting, including their FAKOs.
However, I've only been analyzing the CS score versus PSECU FICO, or the average of all FICOs for one person.

As more people report, I'm hoping that we will finally have a "FAKO" that is worth paying attention to.
Especially for people who have no way of joining PSECU.

#20 psal1051

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Posted 11 December 2011 - 04:12 PM

November PSECU = 708
Credit Sesame = 683 (I just signed up on 12/7)

I have a dismissed BK13 from 2006 reporting.

#21 Monkey77

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Posted 11 December 2011 - 04:23 PM

PSECU = 690
CS = 750

To be fair I did just past the 3 year mark according to USAA which changed my score from 690 (matching my PSECU score) to 704.. I will update if any change to my Dec PSECU score

#22 shadow2k

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Posted 11 December 2011 - 04:45 PM

Nov PSECU FICO - 740
Nov CS FAKO - 787
Dec CS FAKO - 789

#23 BobWang

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Posted 11 December 2011 - 04:48 PM

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#24 BobWang

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Posted 11 December 2011 - 05:05 PM

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#25 BobWang

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Posted 11 December 2011 - 05:06 PM

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