Empirica v FICO

Discussion in 'Credit Talk' started by jlynn, Aug 16, 2003.

  1. jlynn

    jlynn Well-Known Member

    What is the difference?

    Besides the fact that my TU Empirica is 564 and FICO is 614... I'm po'd.
  2. DaveLV

    DaveLV Well-Known Member

    Empirica is Trans Union's trademark name for a credit score generated with the Fair Issac mathematical model. In other words, it is your FICO score calculated from your Trans Union report.
  3. DaveLV

    DaveLV Well-Known Member

    The trademark name for your Equifax FICO score is Beacon. Experian's marketing department must be a little slow, because that score is called Experian/Fair Isaac.
  4. jlynn

    jlynn Well-Known Member

    Then I wonder why the difference in my score. Somebody pulled a TU on me and came up with a score of 564. I was shocked. I came home and pulled the $12.95 score and came up with 614?
  5. crofttk

    crofttk Well-Known Member

    Only explanations I can think of is either:

    1) The lender pulled one of the many customized FICOs (Empiricas) available instead of the standard/classic FICO.

    2) The lender pulled the score from a reseller whose data was not correct per TU's file on you.
  6. cinderella

    cinderella Well-Known Member

    Maybe split file from the B word?
  7. jlynn

    jlynn Well-Known Member

    It must be Croft's #1.

    No split file, and no wrong info, as I saw the cr.
  8. jlynn

    jlynn Well-Known Member

    bump for any other thoughts?
    BTW this was Nissan.

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