Author Topic: Check Credit Scores (Read 5609 times)

sruly101 · « **on:** October 28, 2012, 09:28:58 AM »

I checked now my credit scores by 2 different companys and they had total different numbers, how can this be??

Credit Kamra = 653

Credit Sesame= 720

can someone explain?? thanks

JEWDA · « **Reply #1 on:** October 28, 2012, 09:40:17 AM »

These are not your real fico scores that the banks look at.

sruly101 · « **Reply #2 on:** October 28, 2012, 09:48:42 AM »

1. but why is there such a difference from this 2?
2. and i know that to check the real score that the banks check costs money, but which is the best for the best price?
thanks

3ZeroT · « **Reply #3 on:** October 28, 2012, 10:29:16 AM »

What does the Credit Karma report card say is negative ?

Lets assume this is more than just variance in scoring models of those 2 services. If I recall Credit Karma uses Transunion and Credit Sesame uses Experian. So they are looking at different bureaus which can actually have different data (number of inquiries on each, differences in when account updates are reflected, etc.) So in other words you may have some negative factor reflected on your TransUnion report that isn't currently on Experian.

AJK · « **Reply #4 on:** October 28, 2012, 10:30:03 AM »

Quote from: 3ZeroT on October 28, 2012, 10:29:16 AM

What does the Credit Karma report card say is negative ?

Lets assume this is more than just variance in scoring models of those 2 services. If I recall Credit Karma uses Transunion and Credit Sesame uses Experian. So they are looking at different bureaus which can actually have different data (number of inquiries on each, differences in when account updates are reflected, etc.) So in other words you may have some negative factor reflected on your TransUnion report that isn't currently on Experian.

+1, correct CK = TU, CS = EX.

Also, FAKO scores are useless.

Also, IMHO, FICO scores are useless.

One can eyeball credit reports much more effectively (for churning) than looking up any score.

HelpMe · « **Reply #5 on:** October 28, 2012, 10:37:35 AM »

Quote from: sruly101 on October 28, 2012, 09:28:58 AM

I checked now my credit scores by 2 different companys and they had total different numbers, how can this be??

Credit Kamra = 653
Credit Sesame= 720

can someone explain?? thanks

Add the HelpMe score to the mix also. I don't even need to look at your CR.

Credit Kamra = 653
HelpMe = 686
Credit Sesame= 720

AJK · « **Reply #6 on:** October 28, 2012, 10:39:52 AM »

Quote from: HelpMe on October 28, 2012, 10:37:35 AM

Credit Kamra = 653
HelpMe = ~~686~~ 687
Credit Sesame= 720

ftfy

#rounding

compddd · « **Reply #7 on:** October 28, 2012, 10:41:27 AM »

lol how do I have a higher CK score than HelpMe? Mines 768

3ZeroT · « **Reply #8 on:** October 28, 2012, 10:42:49 AM »

Quote from: compddd on October 28, 2012, 10:41:27 AM

lol how do I have a higher CK score than HelpMe? Mines 768

I think that was the HelpMe scoring model as used on sruly101's report.

compddd · « **Reply #9 on:** October 28, 2012, 10:44:16 AM »

nm I get it now

compddd · « **Reply #10 on:** October 28, 2012, 10:46:35 AM »

Will Credit Sesame work if my EX is frozen? I just tried signing up and it told me no dice.

HelpMe · « **Reply #11 on:** October 28, 2012, 10:48:05 AM »

Quote from: AJK on October 28, 2012, 10:39:52 AM

ftfy

#rounding

I always round down. Remember I am different from the norm.

HelpMe · « **Reply #12 on:** October 28, 2012, 10:49:15 AM »

Quote from: 3ZeroT on October 28, 2012, 10:42:49 AM

I think that was the HelpMe scoring model as used on sruly101's report.

Correct, this is a free of charge service for DDF members only!

AJK · « **Reply #13 on:** October 28, 2012, 10:56:35 AM »

Quote from: compddd on October 28, 2012, 10:46:35 AM

Will Credit Sesame work if my EX is frozen?

Yes, it should.

scwam · « **Reply #14 on:** October 28, 2012, 11:22:20 AM »

Mine didn't. Even after I unlocked it. Reps are clueless and state it still shows frozen.

HelpMe · « **Reply #15 on:** October 28, 2012, 11:25:39 AM »

Quote from: compddd on October 28, 2012, 10:46:35 AM

Will Credit Sesame work if my EX is frozen? I just tried signing up and it told me no dice.

IIRC from reading CB about bumpage you have unfreeze first, apply and then you can freeze it and it will still work. This was not for CS but others services. It should work the same.

compddd · « **Reply #16 on:** October 28, 2012, 12:17:40 PM »

Quote from: HelpMe on October 28, 2012, 11:25:39 AM

IIRC from reading CB about bumpage you have unfreeze first, apply and then you can freeze it and it will still work. This was not for CS but others services. It should work the same.

I thought bumpage doesn't work for EX?

HelpMe · « **Reply #17 on:** October 28, 2012, 12:50:24 PM »

Quote from: compddd on October 28, 2012, 12:17:40 PM

I thought bumpage doesn't work for EX?

Correct but freezing TU or EQ causes the same problem.

lyla · « **Reply #18 on:** October 28, 2012, 12:55:20 PM »

Does citi identity monitor give you FICO or Fako scores?

HelpMe · « **Reply #19 on:** October 28, 2012, 01:05:14 PM »

Quote from: lyla on October 28, 2012, 12:55:20 PM

Does citi identity monitor give you FICO or Fako scores?

FAKO