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

BobWang

By BobWang
in Credit Forum

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The last post in this topic was posted 4814 days ago. 

 

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BobWang

BobWang

Posted
Posted

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

Lummy

Posted
Posted

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

md2005

Posted
Posted

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

BobWang

Posted
  • Author
Posted

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

BobWang

Posted
  • Author
Posted

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

BobWang

Posted
  • Author
Posted

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

Lummy

Posted
Posted (edited)

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 by Lummy
ctb89

ctb89

Posted
Posted

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:

 

 

dEciA.png

BobWang

BobWang

Posted
  • Author
Posted

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

patz2009

Posted
Posted (edited)

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 by patz2009
patz2009

patz2009

Posted
Posted

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.

minnie aubre

minnie aubre

Posted
Posted

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

Mike Lowry

Posted
Posted

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:

 

 

dEciA.png

 

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

BobWang

Posted
  • Author
Posted

Not sure if this helps out but here you go. :dntknw:

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

EODTEXAN

Posted
Posted

Not sure if this helps out but here you go. :dntknw:

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.

  • 4 weeks later...
JoanKB

JoanKB

Posted
Posted

CC says I entered an incorrect answer so I have to try again in like 5 days or something :blink: 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

T1C

T1C

Posted
Posted

Thanks for the scores, keep 'em coming. :D

 

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

 

Maybe that is true they have me at 795.

  • 4 months later...
hegemony

hegemony

Posted
Posted (edited)

creditcom.jpg

 

creditcom2.jpg

 

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:

 

creditcom3.jpg

Edited by hegemony

The last post in this topic was posted 4814 days ago. 

 

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