My Experian FAKO is 755, but when I pull up the credit expert simulator, it shows my starting score at 800. Is this 800 closer to the real FICO or is it just another fake score? Thanks!
The simulator is real high for me. My fake Experian score is 685, real fico is about 715 simulator shows me near 750-775. So the simulator seems like garbage.
I have the exact same problem. Best as I can gather, it's about 30 points higher for me. Funny thing is it actually follows my score changes, so that it's always about 30 points higher-whether I go up or down. One thing I've noticed is there are different times of the week that CE updates it's credit manager interface, and these really don't correlate with the same times the report is updated. For instance: 1. my report changed last week with the bumpage of 7 hard inquiries, with no changes in the FICO. 2. 2 days later my FICO jumped 16 points. 3. On the same day as the FICO jumped, I had a new CC report with a true cl that should have lowered by utilization by half! 4. My FICO didn't change for another 2 days, then I lost 7 points. It still has yet to update my utilization and some other content. My Theory Each "section" or "window" on the credit manager screen relates to a different computer process and set of functions that have varied update schedules and rules. Because of this, the credit manager may not truthfully represent the 'current state' of your credit, as it may take several days or weeks to get caught up to an active credit report consumer like us. Regarding the simulator, I think it may be something as simple as the placement of the background graphic on the 'scale'. I think the web master/developer may have accidently located the scale graphic lower on the java applet/window in which the sliding scale is overlaid onto. This is something that may be difficult to catch in testing as it works with FICO, and we all know what an unruly beast that is! Any of this make sense?
