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Valued Member
Posts: 44
Registered: ‎08-26-2012
0

Difference in FICO score and Score Watch score????

After pulling my CR's again today and opting to also receive my three scores I noticed that my scores that accompanied my credit report were significantly higher (a little over 40 points higher) than my score watch score here on My Fico. Does anyone know why they would be different?

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 641 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $1000, NFCU CL $6000, HH Gregg CL $1800, Care Credit CL $800 Express CL $950, Victoria Secret CL $850, Kohl's CL $300. Cap One Auto Loan $25k
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
0

Re: Difference in FICO score and Score Watch score????

They were most likely not FICO scores becuase you cannot purchase EX FICO. The scores you obtained use a different scoring method and thus results in different scores


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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Valued Member
Posts: 44
Registered: ‎08-26-2012
0

Re: Difference in FICO score and Score Watch score????

That's so confusing since I purchased it with my actual credit reports. You would think that would be the true FICO score :smileysad:

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 641 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $1000, NFCU CL $6000, HH Gregg CL $1800, Care Credit CL $800 Express CL $950, Victoria Secret CL $850, Kohl's CL $300. Cap One Auto Loan $25k
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
0

Re: Difference in FICO score and Score Watch score????

Don't feel bad, we have all purchased "FAKO" scores before. You are on this site now, and there is a ton of information available. Look at the bright side, your reports were real and you know where you stand as far as the information on the reports and you can clean them up.


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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New Member
Posts: 10
Registered: ‎01-24-2013
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Re: Difference in FICO score and Score Watch score????

I had a creditor pull my credit for a refinance and they said my equifax FICO score was  47 points higher than my scorewatch was showing.........  i verified that what they had was FICO provided to them.

Community Leader
Valued Contributor
Posts: 2,410
Registered: ‎11-29-2012
0

Re: Difference in FICO score and Score Watch score????

That would have been a auto-enhanced fico.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
New Member
Posts: 10
Registered: ‎01-24-2013
0

Re: Difference in FICO score and Score Watch score????

what does that mean? 

If I go to Equifax's site and purchase a score, will that be the same as on here?

Community Leader
Valued Contributor
Posts: 2,410
Registered: ‎11-29-2012
0

Re: Difference in FICO score and Score Watch score????

No, Equifax sells a fako on their site. I have no idea what auto-enhanced means. Its an actual fico, its just "enhanced" for car loan purposes only. There's also credit card enhanced scores, still just a different formula to determine cc risk, and still a real fico.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
New Member
Posts: 10
Registered: ‎01-24-2013
0

Re: Difference in FICO score and Score Watch score????

Myfico should offer those enhanced scores in their score power along with what they currently have.  They could offer us a score for each model that exists.  That way if I was looking to get a home loan, I would know what my mortgage fico was..........

Regular Contributor
Posts: 205
Registered: ‎08-29-2007
0

Re: Difference in FICO score and Score Watch score????

I thought the dealership was wrong in August when I purchased my car. I had an almost 700 EQ just 3months after discharge.


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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