The Master Credit.com (Cc) FAKO, Estimated FICO & VantageScore Thread

[BobWang]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

 

I just now realized that if you click on "Learn more +" below the score, you also get an estimated Experian FICO & VantageScore (VS)

 

For me, the visible score of 830 is very close to my PSECU Experian of 827.

Credit Sesame has me at 840.

 

"Estimated FICO" is 800, well below actual 827.

"Estimated VantageScore" is 905, also below Alliant CU's 990.

 

If you do get your Credit.com score, I'm making a request to have people post them in this format: (If you don't have a score, just skip it)

 

PSECU = 827

Other Experian FICO =

Alliant CU VantageScore = 990

 

Cc = 830

Cc Estimated FICO = 800

Cc Estimated VS = 905

 

Credit Sesame (CS) = 840

[Lummy]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

Does this help?

 

CC=718

CC Vantage = 750

cc estimated FICO= 705

last EXFICO (mortgage pull Mid Apr) = 666

Last EQ FICO, paid pull 5/31= 671

 

USAA score=715

 

(shouldn't they be the same?)

 

CreditKarma score= 662

CK Vantage Score= 700 (matches my TU score)

[md2005]

WebBank Denial (200-900) = 607

First Tech Denial (322-844) = 570

 

CC = 536

CC Estimated FICO = 546

CC Estimated Vantage = 563

 

Credit Sesame (CS) = 588

USAA = 564

Credit Karma = 577

Credit Karma Vantage = 644

[BobWang]

All data help.

 

The purpose of comparing FAKOs, especially Experian, is that consumers can no longer buy their Experian FICO.

 

So, we have to resort to using proxies, which are accurate for some people, but wildly inaccurate for others.

 

e.g., we know that Credit Sesame tends to overlook baddies, so the CS score is much higher for many people with baddies.

[BobWang]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

Does this help?

 

CC=718

CC Vantage = 750

cc estimated FICO= 705

last EXFICO (mortgage pull Mid Apr) = 666

Last EQ FICO, paid pull 5/31= 671

 

USAA score=715

 

(shouldn't they be the same?)

 

CreditKarma score= 662

CK Vantage Score= 700 (matches my TU score)

Thanks, that does help.

 

If you could sign up for Credit Sesame, for a comparison, that would be especially helpful.

[BobWang]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

Does this help?

 

CC=718

CC Vantage = 750

cc estimated FICO= 705

last EXFICO (mortgage pull Mid Apr) = 666

Last EQ FICO, paid pull 5/31= 671

 

USAA score=715

 

(shouldn't they be the same?) (Creditcom's score is definitely not Experian PLUS)

 

CreditKarma score= 662

CK Vantage Score= 700 (matches my TU score)

[Lummy]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

Does this help?

 

CC=718

CC Vantage = 750

cc estimated FICO= 705

last EXFICO (mortgage pull Mid Apr) = 666

Last EQ FICO, paid pull 5/31= 671

 

USAA score=715

 

(shouldn't they be the same?) (Creditcom's score is definitely not Experian PLUS)

CreditKarma score= 662

CK Vantage Score= 700 (matches my TU score)

Credit Sesame= 682

 

 

Added CS. For what it's worth, CC didn't seem to take my 1 baddie (open collection) into consideration. Everyone else complained about having a late payment

Edited June 11, 2012 by Lummy

[ctb89]

I'm looking to collect some datapoints for my Master Has Bob Created a New Master Thread Today Thread.

 

So far, here is my sample set:

 

 

[ctb89]

[BobWang]

 

 

[BobWang]

nlocker, aka BI XXXVIII, noticed on 5/16/2012 that Credit.com (Cc) stopped using TransUnion, and started providing an Experian FAKO.

Does this help?

 

CC=718

CC Vantage = 750

cc estimated FICO= 705

last EXFICO (mortgage pull Mid Apr) = 666

Last EQ FICO, paid pull 5/31= 671

 

USAA score=715

 

(shouldn't they be the same?) (Creditcom's score is definitely not Experian PLUS)

CreditKarma score= 662

CK Vantage Score= 700 (matches my TU score)

Credit Sesame= 682

 

 

Added CS. For what it's worth, CC didn't seem to take my 1 baddie (open collection) into consideration. Everyone else complained about having a late payment

Now THIS is VERY interesting.

 

So it seems that Credit Sesame ignores some baddies, and Credit.com ignores other baddies.

 

Maybe those with baddies can compare their CS and Cc scores.

 

Perhaps averaging the two will give a better approximation of Experian FICO for those with baddies.

[patz2009]

At last check, these were my FICOs.

 

Equifax - 697 (DCU, 5/25/12)

Experian - 716 (Visions FCU, 5/1/12)

TransUnion - 746 (Wal-Mart, 5/3/12)

 

 

And then, an assortment of FAKOs for your viewing pleasure.

 

CreditSesame - 718 (6/5/12)

CreditKarma Transrisk - 685 (6/11/12)

CreditKarma VantageScore - 777 (6/11/12)

 

Credit.com Score - 671 (5/15/12)

Credit.com Estimated FICO - 664 (5/15/12)

Credit.com Estimated VantageScore - 692 (5/15/12) 

 

 

 

 

 

No baddies, just a young credit file. 8 open CC's, 2 open student loan accounts, 1 closed student loan.

 

 

Edited June 12, 2012 by patz2009

[minnie aubre]

I guess I have been absent a long time. I will have to look into these. I am always up for some good bumping and free scores. thanks!

[patz2009]

I guess I have been absent a long time. I will have to look into these. I am always up for some good bumping and free scores. thanks!

 

No B* to be had here, move along. They pull Experian.

[EODTEXAN]

Not sure if this helps out but here you go.

Fico

Trans 680 denied cli

Eq 647 Nfcu

Ex ????

 

Usaa

Trans 689

Eq 650

Ex 684

[minnie aubre]

I guess I have been absent a long time. I will have to look into these. I am always up for some good bumping and free scores. thanks!

 

No B* to be had here, move along. They pull Experian.

 

Yep, I just noticed that when I signed up. Ah well. Can't win them all

[Mike Lowry]

I'm looking to collect some datapoints for my Master Has Bob Created a New Master Thread Today Thread.

 

So far, here is my sample set:

 

 

 

This one made me laugh.

 

BW, your efforts are not unnoticed. I like how much you try to help around here, and find your 'Master' threads very amusing and also educational.

[BobWang]

Not sure if this helps out but here you go.

Fico

Trans 680 denied cli

Eq 647 Nfcu

Ex ????

 

Usaa

Trans 689

Eq 650

Ex 684

Thanks EOD, can you sign up to Credit.com and/or Credit Sesame to see how those compare?

[EODTEXAN]

Not sure if this helps out but here you go.

Fico

Trans 680 denied cli

Eq 647 Nfcu

Ex ????

 

Usaa

Trans 689

Eq 650

Ex 684

Thanks EOD, can you sign up to Credit.com and/or Credit Sesame to see how those compare?

Credit.com was 634

Credit sesame would not let me enter.

[essexjet]

Auto Title Loan 10 days ago, pulled Experian 609

 

Cc: 692

Cc Fico Estimate: 682

Cc VantageScore: 712

 

USAA Experian: 656

[JoanKB]

CC says I entered an incorrect answer so I have to try again in like 5 days or something Wrong answer?? Ummm, no....but whatever....I'll try it again in a week or so. Sounds like an interesting site....I'd like to get in

[Credit Mama]

I hope this helps,

 

CK.. Fako 626

CK VS 709

~~

 

 

CS Fako 656

~~

 

 

C.C Fako 519

stimated

FICO^® Score

529

 

 

Estimated

VantageScore^sm

554

[BobWang]

Thanks for the scores, keep 'em coming.

 

It's looking like C.c's estimates tend to err on the low side.

[T1C]

Thanks for the scores, keep 'em coming.

 

It's looking like C.c's estimates tend to err on the low side.

 

Maybe that is true they have me at 795.

[hegemony]

 

 

credit sesame has not updated my score since early november but that score is 807.

 

credit secure fako is 781 (and has been for over 18 months).

 

c.c shows 7 accounts with balances as well as:

 

Edited December 10, 2012 by hegemony