FICO vs. FAKO – Share your FAKO stories

[Anonymous]

CK FAKO
TU -594
EX - 582

Myfico
TU - 619
EQ - 653
EX - 611

Creditwise
565

I'm hoping to reaching 600 on my FAKO score.

[Isacking97]

the diference in my scores is about 10 to 20 points, in example TU & EQ in credit karma is 713 & 716, but on fico is 702 & 698

08/27/2016 TU: 702, EQ: 689, EX: 713

BP VISA ($300), Amex Everyday Card ($1,800), Discover It Chrome Students ($500)

[Anonymous]

Hello so on March 31 2016 i applied for my 1st credit card ever and was told by my credit union my score was 0. the first time i financed something was in 2007 and the last time i financed a truck and finished paying in 2014. no active accounts for 2 years got me back to 0. so anyway my credit union gave me an unsecured credit card with 500 limit and while anxiously waiting 6 months for my fico scores my FAKO scores were as of august 31 2016 TU-691 EX-630 and EQ 690. On september 1st i finally got my 3b Fico Scores and reports and was dissappointed with the results TU-600 EQ-699 and EX 612. btw i did get approved for a Capital One mastercard with 300 limit in late june. only my EQ score was pretty dam close to the fako score by 9 points but TU 99point difference. just wanted to share this

[Anonymous]

Mine are way off now. Used to be about a 25 pt difference.

CK
Tu: 753
EQ: 754

Tu 08: 694
EQ 08: 668

Not sure why vantage models seem to love me so much, but sure wish my fico scores were that high!

[sarge12]

My fico vs fako

[cuthatcard]

CK

TU  723

EQ 724

MYFICO

TU  723

EQ  576

No typo,  huge difference in the EQ, nearly 150 points ! Beware !

Huge difference in EQ !!!

[Anonymous]

Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter.  Nothing negative on TU but EX & EQ show a 6.5 collections.  Now I have 13 cards.  I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630.  This is down from upper 600's.  However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691.  Which am I to believe?  My inquiries, new accounts and AAOA are all negatively impacting my score.

[Anonymous]

1. Where did you get your FAKO score? Credit Karma
2. Which FAKO score did you receive and from which bureau? 519 TU and 516 Equifax
3. Where did you get your genuine FICO® Score? MyFico
4. Which FICO® Score did you receive and from which bureau? 607 TU  606 Equifax
5. What type of loan/credit were you applying for? (type, rate, terms, etc. are all helpful) None Rebuilding
6. Share your FAKO story (What was your first impression when you received your FAKO score?How did you figure out that it was not a FICO® Score or that it was different than a FICO® Score? How did the FAKO score impact your loan/credit experience? ) when I applied for a Target Card and was approved.

[surferchris]

---

@Anonymous wrote:

Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter.  Nothing negative on TU but EX & EQ show a 6.5 collections.  Now I have 13 cards.  I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630.  This is down from upper 600's.  However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691.  Which am I to believe?  My inquiries, new accounts and AAOA are all negatively impacting my score.

---

Cap One and CK are FAKO's for sure.  Trust the FICO scores...take care.

[Anonymous]

FAKO:

Discover Scorecard - 786 EX

Credit Karma           - 771 TU

Credit Karma           - 750 EQ

PenFed NG2            - 848

FICO 8 - 764 EX

             - 758 TU

             - 767 EQ

FICO 9 - 770 EX

             - 761 TU

             - 759 EQ

It's all game.