tag:blogger.com,1999:blog-24744976.post4780160209070556803..comments2008-02-22T10:45:38.334-06:00Kevin Surbaughhttps://profiles.google.com/114850083782944258911noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-24744976.post-91618201011776765212008-02-22T10:45:00.000-06:002008-02-22T10:45:00.000-06:00Jon (mcfnord) -<BR/><BR/>I need to talk you about something. If you could email me pleasethe Prince of Thrifthttp://www.blogger.com/profile/07863514672517538661noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-41517171641232529252008-02-22T00:57:00.000-06:002008-02-22T00:57:00.000-06:00It's not that Prosper uses Experian- it's that they use a specific Experian model called ScoreX. Each bureau within itself has many different types of FICOs and other scores. Confusing, I know. If you want to get close to 'apples to apples" the only way to go is to get all 3 "classic FICos" from myfico.com ( they always have a 20-25% off code floating around the internet).<BR/><BR/>And then there are what many call FAKO or FACO scores- wont get too much into those. However, they are the scores that many score monitoring services sell that have nothing to do with actual FICOS and are pretty much meaningless.<BR/><BR/>As far as Prosper goes, IMHO their scores seem more sensitive to more recent activity- seems to reward positive open accounts with few inquiries and low utilization. I actually had an A with them when my Classic FICOs were more like "D." My classic FICOs were being held down by very old negative accounts.Greg Chttp://frugalcapitalist.comnoreply@blogger.comtag:blogger.com,1999:blog-24744976.post-57605996748212230482008-02-22T00:38:00.000-06:002008-02-22T00:38:00.000-06:00Great to know that ,<BR/><BR/>thanks<BR/><BR/>Tracy Ho<BR/>wisdomgettingloadedtracyhohttp://www.blogger.com/profile/07682667583176266455noreply@blogger.comtag:blogger.com,1999:blog-24744976.post-40931872148080083772008-02-21T21:23:00.000-06:002008-02-21T21:23:00.000-06:00if you kept the wamu open, your fico will rise more. if you closed it, your fico might drop, but not by much.<BR/><BR/>definitely dispute the false information on your report.mcfnordhttp://mcfnord.livejournal.com/noreply@blogger.com