FlyerTalk Forums - View Single Post - 60+ point difference in credit score from CreditSesame vs Experian
Old Jun 15, 2014 | 9:45 pm
  #4  
Doctor of Credit
 
Join Date: Nov 2013
Location: United States
Posts: 526
Credit Sesame provides you with your Experian National Equivalency score which is a FAKO score and as far as I am aware, not used by any lenders currently.

Wells Fargo most likely uses an industry specific FICO score (bankcard enhanced), either the '04 or '08 model. The same goes for other free credit score websites. E.g Credit Karma is TransUnion VantageScore v3.

Quizzle is Equifax VantageScore v3

Credit.com is Experian National Equivalency score

WisePiggy is TransUnion VantageScore v3

As long as the score a lender pulls is 720-740+ you shouldn't really have anything to worry about in terms of denials (this doesn't mean you won't be denied, just not based on your credit score). If you're really worried about it, learn how the scoring algorithms work and then gaming it from there is pretty simple.
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