Experian’s National Equivalency Score

experian national equivalency scoreExperian’s National Equivalency Score (ENES) is a FAKO credit score which aims to estimate the credit worthiness of an individual. It has a range of 360-840 and is available for free to consumers through Credit Sesame, it’s also updated monthly. It’s also available commercially to lenders according to Kristine Snyder, Public Relations Manager at Experian, although few if any creditors use the score as part of their lending decisions.

ENES Range

Minimum Score Maximum Score
360 840

Score Breakdown

The exact breakdown of the ENES isn’t published online, but Experian and Credit Sesame make repeated references to it being the “same” or “extremely similar” to the FICO score. So we can assume that the break down is the same, even though the exact mathematical model they use is different.

  • Payment history 35%
  • Credit utilization 30%
  • Length of credit history 15%
  • Types of credit used 10%
  • Recent searches for new credit 10%

You can read about how the FICO score is calculated here.

Leave a reply

Your email address will not be published. Required fields are marked *. Please do not share your referral links/codes unless the post specifically states it's allowed. If the post states it is allowed please follow the rules carefully. If you'd like an image next to your comments please create a gravatar. Most of all please be kind and respectful to each other. 

Last Posts

citicards activate pnc virtual bank tcf banking on line usbank account number citi simplicity cash back citibank milpitas branch eastern bank cd rates united mileageplus awards card citibank loan application status quicksilver credit card limit sears special financing offers citi simplicity card credit score chase coupon for checking account belmont savings bank car loan american express green card credit score needed bmo harris bank columbus ohio chase disney rewards card login amazon rewards visa card from chase jp morgan chase private client send money to another wells fargo customer is a fico score the same as a credit score wyndham rewards prepaid card balance routing number for regions bank in tn what is a fico score and what does it mean victorias secret credit card account what is bmo harris routing number do home depot gift cards expire chase private client investment fees

Back to Top ↑