151 replies to this topic

[BobWang]

We are at 49 CBers reporting their CS NES.
I want to encourage everybody to post their experiences because the data may be reflecting a systematic self-selection bias.

IOW, CBers whose scores are close, post.
Those whose aren't, just ignore it.

The regression analyses so far reveal correlations of 0.815, or 0.976, depending on whether I exclude data more than 25 points away from the true FICO.

n=49 m=0.983 r=0.815
n=31 m=0.997 r=0.976

I'm especially interested in people who have HUGE discrepancies.

Thanks,
Bob

[BobWang]

The raw data:

Date Sesame Average PSECU AmEx Equifax Experian TU Diff |Diff|
10/10/11 720 720 720 0 0
11/09/11 683 683 683 0 0
11/02/11 709 708 708 1 1
10/15/11 832 831 831 1 1
09/23/11 690 689 689 1 1
11/10/11 709 710 715 705 (1) 1
10/08/11 695 696 696 (1) 1
11/11/11 730 731 731 (1) 1
09/24/11 654 652 652 2 2
09/23/11 699 697 697 2 2
09/23/11 798 801 801 (3) 3
09/27/11 696 691 691 5 5
10/08/11 731 725 725 6 6
11/14/11 635 628 628 7 7
09/23/11 725 717 717 8 8
11/09/11 755 765 765 (10) 10
11/09/11 828 817 823 804 825 11 11
09/23/11 677 688 688 (11) 11
09/23/11 732 744 744 (12) 12
11/14/11 805 792 785 798 14 14
11/09/11 792 806 806 (14) 14
11/05/11 655 640 640 15 15
11/09/11 674 689 689 (15) 15
08/06/11 698 713 713 (15) 15
10/08/11 800 817 817 (17) 17
10/08/11 734 717 717 17 17
11/05/11 737 754 754 (17) 17
10/08/11 743 724 724 19 19
09/23/11 654 634 634 20 20
11/09/11 795 771 771 24 24
10/18/11 684 660 660 24 24
11/05/11 641 644 608 658 667 (26) 26
11/04/11 654 681 681 (27) 27
10/13/11 729 759 779 738 (30) 30
11/05/11 787 819 819 (32) 32
11/09/11 689 654 654 35 35
11/04/11 789 753 753 36 36
10/08/11 619 575 575 44 44
11/09/11 754 710 685 44 44
11/05/11 745 696 702 689 50 50
10/10/11 775 724 724 51 51
11/09/11 590 641 641 (51) 51
09/24/11 804 751 751 53 53
11/09/11 777 720 720 57 57
11/09/11 755 697 714 679 59 59
10/08/11 765 678 678 87 87
11/17/11 590 680 680 (90) 90
09/23/11 767 672 672 95 95
11/17/11 699 580 580 119 119

[BobWang]

[Credithater]

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..

[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.

[unoriginalnj]

Does it appear that credit sesame is closer to a spei

[unoriginalnj]

Does it appear that credit sesame scoredis closer to a specific cra?

[BobWang]

Does it appear that credit sesame scoredis closer to a specific cra?

CS provides the Experian NES, so in theory, it should be closer to that bureau.

[BobWang]

I'm tabulating data on CS, PSECU, AmEx, other Experian, Equifax & TransUnion FICO scores, so please post what ever you have.

[Menta33]

I'm tabulating data on CS, PSECU, AmEx, other Experian, Equifax & TransUnion FICO scores, so please post what ever you have.

Credit Sesame: 695 11/4/11
Credit Karma: TransRisk 699 / Vantage 756 11/17/11
PSECU: Exp 696 11/9/11
AmEx/USAA: Exp 709 / Equ 693 / TU 713 11/17/11
Equ FICO: 677 11/12/11
TU Fico 98: 677 9/16/11
Equ Complete: 681 11/16/11

[BobWang]

[BobWang]

Date CS Avg PSECU AmEx Eq Ex TU CK ECEq ECEx ECTU GEMB PLUSEq PLUSEx PLUSTU VSEq VSEx VSTU Diff |Diff|
10/10/11 720 720 720 0 0
11/09/11 683 683 683 0 0
11/02/11 709 708 708 1 1
10/15/11 832 831 831 1 1
09/23/11 690 689 689 1 1
11/10/11 709 710 715 705 (1) 1
10/08/11 695 696 696 (1) 1
11/11/11 730 731 731 (1) 1
09/24/11 654 652 652 2 2
09/23/11 699 697 697 2 2
09/23/11 798 801 801 (3) 3
11/05/11 641 644 608 658 667 (3) 3
09/27/11 696 691 691 5 5
10/08/11 731 725 725 6 6
11/14/11 635 628 628 7 7
09/23/11 725 717 717 8 8
11/09/11 755 765 765 (10) 10
11/09/11 828 817 823 804 825 785 820 789 796 872 798 783 786 0 990 951 11 11
09/23/11 677 688 688 (11) 11
11/17/11 695 683 696 677 677 699 681 693 709 713 12 12
09/23/11 732 744 744 (12) 12
11/14/11 805 792 785 798 14 14
11/09/11 792 806 806 (14) 14
11/05/11 655 640 640 15 15
11/09/11 674 689 689 (15) 15
08/06/11 698 713 713 (15) 15
10/08/11 800 817 817 (17) 17
10/08/11 734 717 717 17 17
11/05/11 737 754 754 (17) 17
10/08/11 743 724 724 19 19
09/23/11 654 634 634 20 20
11/09/11 795 771 771 24 24
10/18/11 684 660 660 24 24
11/04/11 654 681 681 (27) 27
10/13/11 729 759 779 738 (30) 30
11/05/11 787 819 819 (32) 32
11/09/11 689 654 654 35 35
11/04/11 789 753 753 36 36
10/08/11 619 575 575 44 44
11/05/11 745 696 702 689 50 50
10/10/11 775 724 724 51 51
11/09/11 590 641 641 (51) 51
09/24/11 804 751 751 53 53
11/09/11 777 720 720 57 57
11/09/11 755 697 714 679 59 59
11/09/11 754 685 685 69 69
10/08/11 765 678 678 87 87
11/17/11 590 680 680 (90) 90
09/23/11 767 672 672 95 95
11/17/11 699 580 580 119 119

[BobWang]

[otis375]

Searching for a correlation between these numbers is very interesting. So, here are mine:

all from 11/10/11:

CreditKarma: 542

Experian (USAA/CCMP): 588

Equifax (USAA/CCMP): 592

TransUnion (USAA/CCMP): 587

Equifax (MyFICO): 567

TransUnion (MyFICO): 566

Credit Sesame: 606


Hope it helps the project.

[BobWang]

Keep 'em coming.

[jason86423]

Most recent pulls for November data.
Credit Sesame - 735
PSECU EX Fico - 725
TU Walmart Fico- 777
EQ FICO (NFCU CLI letter)- 729

Fako
USAA CCMP- EX 747, EQ 740, TU 770

[Android01]

November data:

EX Fico (PSECU) 771
EX PLUS (Freecreditreport.com) - 771
EX NES (Credit Sesame) - 795

EQ FICO (MyFico) - 785
EQ (Equifax.com) - 804
EQ PLUS (AMEX CS) - 792

TU FICO (MyFico) - 788
TU PLUS (AMEX CS) - 784
TU Transrisk (Credit Karma) - 777
TU Vantage (Credit Karma) - 990

[BobWang]

Date CS CK Avg PSECU AmEx Eq Ex TU ECEq ECEx ECTU GEMB PLUSEq PLUSEx PLUSTU VSEq VSEx VSTU Diff |Diff|
10/10/11 720 720 720 0 0
11/09/11 683 683 683 0 0
11/02/11 709 777 708 708 1 1
10/15/11 832 831 831 1 1
09/23/11 690 689 689 1 1
11/10/11 709 710 715 705 (1) 1
10/08/11 695 696 696 (1) 1
11/11/11 730 731 731 (1) 1
09/24/11 654 652 652 2 2
09/23/11 699 697 697 2 2
09/23/11 798 801 801 (3) 3
11/05/11 641 644 608 658 667 (3) 3
09/27/11 696 691 691 5 5
10/08/11 731 725 725 6 6
11/14/11 635 628 628 7 7
11/18/11 735 744 725 729 777 740 747 770 (9) 9
11/09/11 755 765 765 (10) 10
11/09/11 828 785 817 823 804 825 820 789 796 872 798 783 786 0 990 951 11 11
09/23/11 677 688 688 (11) 11
11/17/11 695 699 683 696 677 677 681 693 709 713 12 12
09/23/11 732 744 744 (12) 12
11/14/11 805 792 785 798 14 14
11/09/11 795 781 771 785 788 804 792 771 784 990 14 14
11/09/11 792 806 806 (14) 14
11/05/11 655 640 640 15 15
11/09/11 674 689 689 (15) 15
08/06/11 698 713 713 (15) 15
10/08/11 800 817 817 (17) 17
10/08/11 734 717 717 17 17
11/05/11 737 754 754 (17) 17
10/08/11 743 724 724 19 19
09/23/11 654 634 634 20 20
10/18/11 684 660 660 24 24
11/04/11 654 681 681 (27) 27
10/13/11 729 759 779 738 (30) 30
11/05/11 787 819 819 (32) 32
11/09/11 689 654 654 35 35
11/04/11 789 753 753 36 36
11/10/11 606 542 567 567 566 592 588 587 40 40
10/08/11 619 575 575 44 44
11/05/11 745 696 702 689 50 50
10/10/11 775 724 724 51 51
11/09/11 590 641 641 (51) 51
09/24/11 804 751 751 53 53
11/09/11 777 720 720 57 57
11/09/11 755 697 714 679 59 59
11/09/11 754 685 685 69 69
10/08/11 765 678 678 87 87
11/17/11 590 680 680 (90) 90
09/23/11 767 672 672 95 95
11/17/11 699 580 580 119 119

[BobWang]

[boomhower1820]

Credit Sesame 678
FICO via mycreditplan 730
USAA 688
No PR's of BK's, only derogs are two 5 year old CA's and one 6 year old 30 day late.

[Big Dutch]

Credit Sesame 786
BOA FICO (from CLI request, soft pull ) 797

[Matti]

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

Almost 20 points difference.

[548ficoNtexas]

MYfico.com EQ 702
WalMart TU 655
Credit Karma 634
Credit Sesame 632
denial from AMEX 611
Equifax Complete 647

[BobWang]

With 55 CBers reporting:

[BobWang]

MYfico.com EQ 702
WalMart TU 655
Credit Karma 634
Credit Sesame 632
denial from AMEX 611
Equifax Complete 647

Thanks, 548, please do keep posting even FAKOS.