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New Member
Posts: 4
Registered: ‎08-21-2017
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Re: FICO vs. FAKO – Share your FAKO stories

I got so excited seeing most of your FAKOs lower than your FICOs. Then I ordered an account here and checked my own -- womp womp.

 

FICO: EQ 629, TU 544, EX 619

 

CreditKarma FAKO: EQ 637, TU 643

 

99 point difference on Transunion!!! Ugh Smiley Surprised

EQ 635 / TU 611 / EX 621
New Member
Posts: 7
Registered: ‎08-24-2017
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Re: FICO vs. FAKO – Share your FAKO stories

Applied for AmEx BCP - FICO Experian 754

 

Applied for a mortgage pre-approval with QL shortly after my AmEx with (not my smartest move) and the loan banker quickly read off all my three scores on the phone. I cannot recall the exact scores, but I remember specifically that TU was the lowest in the 600s - I think 688; the other two scores were in the 700s but pretty different - maybe 745 and 715. 

 

FAKOs:

  • Mint - 740
  • BoA app - 745
  • Credit Karma 'calculated use VantageScore 3.0' TU 745 Equifax 750
  • Synchrony Care Credit  745 - based on TU

It was very surprising that most of the FAKO apps say they use TU data but my actual TU score was >50 points lower. I will update if my FAKO scores are drastically lower after my new BCE appears in my history, as this may be a potential explanation. Hope this helps!

 

New Member
Posts: 7
Registered: ‎08-24-2017
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Re: FICO vs. FAKO – Share your FAKO stories

I was in the same boat last week, very surprised that my actual TU was much lower than expected!


Katnap wrote:

I got so excited seeing most of your FAKOs lower than your FICOs. Then I ordered an account here and checked my own -- womp womp.

 

FICO: EQ 629, TU 544, EX 619

 

CreditKarma FAKO: EQ 637, TU 643

 

99 point difference on Transunion!!! Ugh Smiley Surprised


 

New Member
Posts: 7
Registered: ‎08-24-2017
0 Kudos

Re: FICO vs. FAKO – Share your FAKO stories


Katnap wrote:

I got so excited seeing most of your FAKOs lower than your FICOs. Then I ordered an account here and checked my own -- womp womp.

 

FICO: EQ 629, TU 544, EX 619

 

CreditKarma FAKO: EQ 637, TU 643

 

99 point difference on Transunion!!! Ugh Smiley Surprised


I was in the same boat last week, very surprised that my actual TU was much lower than expected!

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