258 replies to this topic

[iWhat]

PSECU. 699
CREDIT SESame 732

[UGAFan]

PSECU - 724
Credit Sesame - 733

[BobWang]

n=38, r=0.786



n=74, r=0.811

[myfrogger]

Deleted---CS is reporting a more accurate much higher CC balance so it makes sense my scores are way off.

Edited by myfrogger, 12 December 2011 - 10:18 PM.

[stimpy45]

PSECU---741
Credit Sesame---785

[BobWang]

n=41, r=0.801


n=79, r=0.825

Diff Num Percent
-30 1 2%
-20 3 7%
-10 5 12%
0 5 12%
10 4 10%
20 6 15%
30 3 7%
40 3 7%
50 4 10%
60 4 10%
70 1 2%
80 0 0%
90 1 2%
100 1 2%

[luckydriver]

today psecu 690 and sesame is 682

[goldtrad]

December PSECU update with 3 of 6 accounts reporting balances 802 down from 806 in November.

CS score early December with same info was 784. No baddies no inquiries.

[BW1216]

PSECU 12/7: 613???

B of A 12/9: 636

Credit Sesame 12/5: 674

Don't get how PSECU and B of A are so different. B of A was for a CLI, letter clearly states Experian FICO was used. No reason for 23 point jump in 2 days either.

Edited by BW1216, 18 December 2011 - 12:59 PM.

[BobWang]

n=42, r=0.801


n=80, r=0.824

Diff Freq Percent
-30 1 2%
-20 3 7%
-10 5 12%
0 5 12%
10 4 10%
20 6 14%
30 3 7%
40 3 7%
50 4 10%
60 4 10%
70 2 5%
80 0 0%
90 1 2%
100 1 2%

[qwerty4]

PSECU 12/7: 613???

B of A 12/9: 636

Credit Sesame 12/5: 674

Don't get how PSECU and B of A are so different. B of A was for a CLI, letter clearly states Experian FICO was used. No reason for 23 point jump in 2 days either.

Another user on the first page of this thread reported an even larger difference:


Group:Members
Posts:190
Joined:08-January 11

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 think BoA is likely using a bank card enhanced experian fico score, or it could be using a different model (e.g. fico 08) than PSECU utilizes.

[BobWang]

n=43, r=0.816

Dif Freq Percent
-35 1 2%
-30 0 0%
-25 1 2%
-20 2 5%
-15 4 9%
-10 1 2%
-5 2 5%
0 3 7%
5 3 7%
10 1 2%
15 3 7%
20 3 7%
25 3 7%
30 1 2%
35 3 7%
40 0 0%
45 1 2%
50 3 7%
55 2 5%
60 2 5%
65 1 2%
70 1 2%
75 0 0%
80 0 0%
85 0 0%
90 1 2%
95 1 2%


n=81, r=0.83

Diff Freq Percent
-90 1 1%
-50 2 2%
-45 0 0%
-40 0 0%
-35 3 4%
-30 2 2%
-25 2 2%
-20 1 1%
-15 7 9%
-10 4 5%
-5 1 1%
0 8 10%
5 9 11%
10 1 1%
15 5 6%
20 5 6%
25 6 7%
30 0 0%
35 2 2%
40 2 2%
45 2 2%
50 6 7%
55 4 5%
60 3 4%
65 1 1%
70 1 1%
75 0 0%
80 0 0%
85 0 0%
90 1 1%
95 1 1%
100 0 0%
More 1 1%

[BobWang]

[GoCardinals]

Does CS have the same number range vs FICO?

Nevermind...i see them there in your sig! Nice reference!

Edited by GoCardinals, 21 December 2011 - 09:33 PM.

[Repairerer]

I'll post mine but it will be January's, since I have to wait for Credit Sesame to update.

[GoCardinals]

I tried to sign up for CS to join in the effort....But it couldnt identify me. Never had this issue anywhere else before. Any suggestions?

On a random note, I just found out(after several years) that clicking the little red star next to the forum topic will take me to my last unread post! SO awesome! Ahahahaah.

[Repairerer]

The red star is good times.

Stab in the dark, did you freeze Experian?

[foeplay]

January updated score: 692

Still awaiting my PSECU score.

[BobWang]

^

[cranston3]

Jan 12, Psecu 734, CS 792

[jason86423]

jan psecu 751 cs jan 747

[UGAFan]

PSECU 732
Credit Sesame 735

Edited by UGAFan, 13 January 2012 - 02:19 PM.

[TheCaptain11]

PSECU 732
Credit Sesame 735

PSECU 683
Credit Sesame 710

[Repairerer]

PSECU 725 CS 728

[codax85]

PSECU 722
CS 741