curlytop Posted August 1, 2003 Report Share Posted August 1, 2003 Ouch! My PG score which says it is based on Equifax got me all excited, so I bought my EQ FICO. The FAKO on PG was 656 today. My true FICO was a miserable 537!!! Well over 100 points lower. Watch out anyone who thinks the PG score is real! I guess I have A LOT of work to do! Link to comment Share on other sites More sharing options...
crofttk Posted August 1, 2003 Report Share Posted August 1, 2003 The PG score is calculated with the CreditXpert algorithm, owned by Experian, and has nothing to do with the FICO algorithm, owned by Fair Isaac. You can't count on ANY consistent comparison in EITHER direction ! Link to comment Share on other sites More sharing options...
curlytop Posted August 1, 2003 Author Report Share Posted August 1, 2003 You can't count on ANY consistent comparison in EITHER direction ! I guess I learned that on my own real quickly! Thanks for the explanation though. They must use REALLY different factors in their scoring systems! Link to comment Share on other sites More sharing options...
md Posted August 1, 2003 Report Share Posted August 1, 2003 Over time they will probably get closer. Lets say you were late on a few cards the month before last, but last month you paid on time. Since it is the first PG will calculate that you have been on time and are current with all of your accounts for a month now, whereas how FICO calculates that is different. That is just an example, but hopefully makes a point in how they are different in how they calculate. My Credit Expert scores and FICO scores are actually pretty close together right now, comparing just EQ and EX. Link to comment Share on other sites More sharing options...
lilgirlie289 Posted August 2, 2003 Report Share Posted August 2, 2003 Myfico shows a score of 597 while my privacy guard shows 519. So mine is actually higher!! Link to comment Share on other sites More sharing options...
Randysbarb Posted August 6, 2003 Report Share Posted August 6, 2003 My PG shows 537 and my FICO is 604....go figure Link to comment Share on other sites More sharing options...
VaSwtness Posted August 6, 2003 Report Share Posted August 6, 2003 Haven't done FICO just yet but PG isn't that good so pulling FICO actually scares me!TU - 540EQ - 521Ex - 513Geez, a lot of work to do. Link to comment Share on other sites More sharing options...
sisflomi Posted August 6, 2003 Report Share Posted August 6, 2003 Curly, do you have a lot in dispute with EQ right now? Link to comment Share on other sites More sharing options...
curlytop Posted August 6, 2003 Author Report Share Posted August 6, 2003 Not one. I haven't started disputing yet on EQ because I am STILL waiting for my new address to show up, so I can delete the current one and THEN start my disputes. Link to comment Share on other sites More sharing options...
sisflomi Posted August 6, 2003 Report Share Posted August 6, 2003 I wonder why its such a difference. You bought the fico score from EQU? Link to comment Share on other sites More sharing options...
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