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Valued Member
wemmington
Posts: 45
Registered: ‎04-10-2007

Do credit cards pull fico or fako when you apply for a card?

I found a website that shows shat score people got approved with on different credit cards but it just says trans, eq or ex and wanted to know what would get pulled fico or fako if I apply for a credit card. 

 

 

 

Frequent Contributor
MinnesotaJ
Posts: 285
Registered: ‎02-26-2008

Re: Do credit cards pull fico or fako when you apply for a card?

Ficos or some form of fico version.  Fakos are called fakos because while you can see them no lender uses them so they're useless to you.
Senior Contributor
score_building
Posts: 3,513
Registered: ‎01-10-2008

Re: Do credit cards pull fico or fako when you apply for a card?

there's a somewhat limited utility to a site that doesn't specify when it is listing fico vs fako.  even then, it is hard to know if the respondent is aware of the difference between a real fico which is used by lenders and a fako score which is not.  while whohavemecredit and the like can be helpful for ball park ideas on scores, that's about it really.  when i applied for discover at the end of last year i perused whogavemecredit and in retrospect found it to be a v. good snapshot of approval ranges, after being approved with a 686 tu fico.

 


wemmington wrote:

I found a website that shows shat score people got approved with on different credit cards but it just says trans, eq or ex and wanted to know what would get pulled fico or fako if I apply for a credit card. 

 

 

 


 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Do credit cards pull fico or fako when you apply for a card?

whogavemecredit.com begs people to only post FICO's, but so many people don't know about FICO's and FAKO's --they call them all FICO's and slap them on up there.

The credit score equivalent of Kleenex vs facial tissue. :smileytongue:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
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