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FAKO TU -- 696. FICO - 600. FAKO has consistently been 70-100 points higher than FICO.
I'm still a little perplexed by this one:
VantageScore 3.0
CK TransUnion: 643 (5/5/17)
CK Equifax: 674 (5/1/17)
Credit.com Experian: 690 (5/5/17)
FICO Score 8
MF TransUnion: 742 (4/30/17)
MF Equifax: 725 (5/4/17)
MF Experian: 658 (4/28/17)
Delta
TU FICO 99 points HIGHER than Vantage
EQ FICO 51 points HIGER than Vantage
EX FICO 32 points LOWER than Vantage
Average delta 60 points.
My VS 3.0s are 744 across the board vs FICO 8s at 705 across the board.
I believe this is because VS are higher for lower AAoAs, since they begin to populate at only 1 month of history, whereas FICO requires 6.
@Anonymous wrote:My VS 3.0s are 744 across the board vs FICO 8s at 705 across the board.
I believe this is because VS are higher for lower AAoAs, since they begin to populate at only 1 month of history, whereas FICO requires 6.
This may help explain why my own VS scores are significantly higher than my FICO scores; I hadn't known this before.
July 2015, Venture app. Reasons code letter sent by Capital One
MyFICO scores at the time: EQ 756 TU 775 EX 765
Vantage score on the Reasons Letter EX 712
Venture card $30k instapproval.
Since the original post in this thread was "impacted by FAKO scores" I guess my takeaway is that the scoring models are all applied within the scoring range, the bell curve, of that scoring model. Works as expected.
I had a 501 and 495 score on credit karma back in OCT 2016. Fast forward to today I've removed all the late payments from my credit, got a secured credit card, got added as an authorized user on my wife's perfect credit history CC. And it jumped to 676 and 678. I still got a $788 debt with Midland that is posted as public record and on collections.
Now I sign up to myfico on May 5, and got scores of 578, 601, and 617. Not much has changed hopefully I can get that TransUnion to go up a little. What are the chances I get a huge jump like the CK report?
@PrinceCorwin wrote:I was under the assumption that your FICO was generally lower than your CK FAKO. My FICO scores are actually higher across the board. Anyone else have this experience
My Fico 8 scores are always higher than my VantageScore 3.0 across the board. However, my Fico 04 scores are almost always lower than my VantageScore 3.0.
The score offsets among models are hugely dependent on composition of accounts within individual profiles and account status.
still dont understand the difference between Equifax.com, myfico, and equifax fico, Myfico is 691, equifax.com 568 and eqifax fico 621....what am I missing here
My Fakos are consistantly about 50 points lower than Fico across the board.
So is paying for myFICO.com my real fico scores?