When I got the score from one of those free services?
Question by Go with the flow: When I got the score from one of those free services?
It said this is a CE score used by lenders
What does the CE stand for?
I dug and found out that their (Quizzles) scoring model is completely different
They add Amount of Cash Flow to the formula
Which takes the amount of money you earn
The site asks you your salary, and I lied and put almost none and my score with them was disastrous.
They say they use a CE scoring model
Does the CE stand for the model used by mortgage lenders ?
What does it stand for?
Best answer:
Answer by timothy p
any score other than FICO is useless. The FICO name brand score is the one lenders use. It doesn’t include your income.
Your income will be considered in your ability to repay a loan but is irrelevant when considering how well you repaid loan is the past.
If you want your real score, go to myfico.com. They will charge for this score but it will be much more accurate. Keep in mind that some lenders give heavier weight to certain types of accounts so your score still may not match exactly. ex. My credit card company orders a custom FICO that gives heavier weight to how well I repay revolving accounts. A car loan may give heavier weight to how well you repay installment accounts… The only time I have had my FICO match exactly was at my credit union. The others were close though.
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