accuracy of privacy guard score

My privacygurad number is 14 points higher than my actual FICO.

 

I'd guess that might be a pretty fair estimate. Probably as a general rule subtract 15 points from privacyguard score and you would likely have a pretty fair idea what your real score might be.

 

I resemble that remark! (LOL)

I think most of us are at least somewhat confused at some of the results of credit scores. Often they don't seem to make a lot of sense. Sometimes things we think should have made a positive difference end up making a negative impact.

I would'nt worry about it all that much. The scores are all imperfect models and can only be used in a relative sense. They are not capable of giving a true picture of what a person's true credit worthiness is anyway.

For instance, most car dealers are well aware that people often have horrible credit scores yet show a pattern of buying cars and never missing a payment and have lived at the same address in a poor neighborhood forever, always in the same house which they rent.

You show a smart car dealer a good payment history of paying for your cars and he won't care what the rest of your credit history is. If you have a fairly decent down payment to go along with it and a steady income you are going to drive out in a nice car even if you probably will have to pay higher interest rates on a sub-prime loan.

Show him a 650 credit score with just one repo on it no matter how old and you may not get a car or if you do you will still be likely to get a sub-prime interest rate.

 

The PG score is useless...only an indicator. If you pulled your EQ FICO than that is the score that matters...Period!

 

My PG is 667 and FICO is 687 when I pulled on the same day.

-Greg

 

So somebody else said PG was 15 points higher and now you say it is 20 points lower.

Well, that proves one thing. Its somewhere in the ballpark.