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FICO vs. FAKO – Share your FAKO stories

Valued Member

Re: FICO vs. FAKO – Share your FAKO stories

I started really looking at my credit in May 2017, and my Vantage scores were in the LOW 600s.  They peaked around 713 in July-August and have settled in around 677-678, per Capital One (TU Vantage 3.0) and WalletHub (TU V3) with very little movement.  They will drop 13-14 points one day and rebound by the same amount a day or two later and that's IT.

Meanwhile CreditKarma's Vantage scores are 664 TU and 571 EQ?!?

AMEX has me at 710 with Experian FICO 8 and MABT has me at 733 on Experian Bankcard 9.0

My mortgage banker pulled scores on me in October that were as follows:

EXP 687 FICO 2.0

TU 663 Classic 4.0

EQ 616 Beacon 5.0


The FICO scores keep climbing steadily, while the Vantage scores are stagnant.  This whole process is maddening.  In the interest of not driving myself nuts, I think I just need to concentrate on keeping balances low, paying accounts down and paying them off completely and as long as my FICO scores keep nudging upward we're good to go.


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