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Discussion in 'Credit Talk' started by Scoreless, Jun 8, 2001.
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No mine does the exact same thing. 717 on the main page and like 730+ in the simulator. I imagine the score is "correct" (although I am still not sure there is a concensus as to whether it is a FICO score or an approximation) and the simulator with the bar is probably an "approximation" of the score under the parameters of the items you can change...although it perplexes me as to why they are not the same.
I'm convinced it's not FICO. They don't say it is, which I'm sure they would advertise if it was. Plus, when you click on the hotlink for Experian Credit Score, they explain it as one of their scoring methods. Oh yea, and like eloan's creditXpert score, it's used by many financial institutions. I wonder which one, singular
I'd have to agree with you Pat, I think it is an approximate scoring algorithm...they are keeping all proprietary information proprietary as long as they possibly can. Even if it's your information they are using in their scoring. I'll bet we consumers never get to see the exact scoring system they use to evaluate us.
I contacted CreditExpert and asked if their score was Experian's real FICO score. It is not. They told me it is taken from your Experian CR but it's not the actual Experian FICO.