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Last edited by ReverendK; 10-13-2011 at 07:13 PM..
Custom vs. Industry vs. Educational Formulas: If things weren’t complicated enough, there are also different formulas for certain industries (auto loans and mortgages, for example). Some lenders have developed their own custom formulas that are a well-guarded secret. And there are what are called educational scores that are sold to consumers to give them an idea of where they stand.
FICO Credit Scores
FICO developed the first credit scores in the 1950s, and today the FICO score comes in many favor....
The key here is that even if you purchase your FICO score, it likely won’t be the same number a bank or other lender would see, even if they too are using FICO scores!
Each of the the three national CRAs has developed its own scoring models:
Equifax: “Equifax Credit Score” with a range of 280-850.
Experian: “Experian Plus Score” with a range of 330-830.
TransUnion: “TransRisk New Account Score” with a range of 300-850.
And if that weren’t enough, each of the CRAs develop custom scores for clients.
Some time ago the three CRAs got together and decided to develop a joint score. Because they each must pay FICO a license fee to use its scoring model, they were hoping to push FICO off the gravy train. The results have been mixed, at best. One advantage, however, is that unlike a FICO score, the VantageScore uses the same formula at each of the CRAs.
I Should also add this is my 3rd time creating a thread and first time using a wiki, PLEASE let me know if im missing something or have too much etc. TIA!!!
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Last edited by cookiemonster; 03-10-2012 at 11:39 AM..
Good to know. My coworker signed up with Experian to be able to always see her "score," not realizing that it was their own made-up score rather than her FICO score. She said it was pretty much worthless.
FREE Credit Score Report Every Month (No Credit Card Required)
Managing your personal finances and credit scores means taking control of all financial matters - including your credit and debt. At Credit Sesame, we give you a complete picture of your credit and debt situation; we update those monthly; and we show you ways to save money. How? Our patent-pending financial analysis application uses your credit score and report along with your financial profile to find personalized mortgage and refinance rates that help you lower your monthly mortgage payments and save money. Credit Sesame helps find the best mortgage rates for you and helps you save money on your monthly mortgage payments.
So that you never miss a chance to save money, or bank-level technology, developed by Stanford University scientists, analyzes the mortgage lending market daily and updates your account every time it finds a money savings opportunity. We also send you monthly alerts when we've updated your free credit score from Experian and debt profile because we know that being able to monitor and optimize your credit scores, mortgage and loans all in one place will help you reach your financial goals.
Finding the right home loan is no easy task. With teaser mortgage interest rates how do you know if the mortgage rate you are applying for really fits with your credit score profile and your budget? Credit Sesame's analytics engine analyzes your credit history and debt picture against national lender mortgage rates to find you personalized mortgage quotes for which you actually qualify, suit your budget and are best matched with your financial goals.
Register today to get your free credit score and analysis of your financial health.
You have 3 different scores, different places report to different agencies or sometimes two or all three. When you want to take out credit some lenders only look at 1 report some look at all of them. HTH
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