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Valued Contributor
Posts: 1,678
Registered: ‎06-05-2015
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Re: FICO vs. FAKO – Share your FAKO stories

So my recent CK scores were 683 and 697. I applied for a mortgage this week and my scores were 676, 693, 709. Not too far off.

 

My wife recent CK scores were 677, 675. Her mortgage scores were 680, 712, 705. Big Difference esp regarding the TU and Exp scores. My FICO scores are usually higher than my CK scores. True Identity last showed me at 704, 710, 708 and my wife at 701, 696, 710.


BC Ring 11.5K, BC Arrival+ 9.5k, BC AA Aviator 4K, AKUSA FCU -10k , Comenity Blue Nile 8k, Discover 9k, Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 7.8k, Synchrony Cathay Pacific Visa 6k, PFCU Plat Rewards Siggy 18k, PFCU Power Cash Rewards 21.5 k, NFCU Go Rewards 24k , NFCU Flagship 31.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $3250, Target 1k, BLIS PAY 5k, Pay Pal 1k, Synchrony Virgin America 4k, 200k total available credit. Utiliz-5% Current FICO EQ-692, EX 708 TU 705 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Former myFICO Employee
Posts: 361
Registered: ‎01-16-2014

Re: FICO vs. FAKO – Share your FAKO stories

[ Edited ]

Hi everyone,

 

First of all, thanks to all of you who shared your credit confusion stories. It’s been incredibly valuable to hear about your experiences with other types of credit scores and how your FICO® Scores compared.

 

We think it’s extremely important for people to understand the difference between FICO Scores and non-FICO Scores in order to manage their financial health effectively. Your stories are a critical part of helping people understand the difference.

 

I’m excited to announce the launch of FICOScore.com and FICOScore.com/stories! FICOScore.com is a purely educational website providing educational content about FICO Scores. FICOScore.com/stories is a community-driven sister site that allows people to read credit confusion stories, like and share stories they find useful, and submit their own non-FICO score experiences.

 

You’ll notice that we used some of the stories seen here. If you have any concerns or would like yours edited, please don’t hesitate to contact me via PM.

And for those of you who haven’t posted, I encourage you to go to FICOScore.com/stories and share your credit confusion experiences.

Super Contributor
Posts: 13,892
Registered: ‎01-04-2014
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Re: FICO vs. FAKO – Share your FAKO stories

Wow! Very Nice and Detailed New Site Kelsey_H

 

Thank You!

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Former myFICO Employee
Posts: 361
Registered: ‎01-16-2014

Re: FICO vs. FAKO – Share your FAKO stories


CreditMagic7 wrote:

Wow! Very Nice and Detailed New Site Kelsey_H

 

Thank You!


Very happy to hear you like it! 

Valued Contributor
Posts: 1,678
Registered: ‎06-05-2015
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Re: FICO vs. FAKO – Share your FAKO stories

A helpful resource esp to those who are new to credit. Thanks !


BC Ring 11.5K, BC Arrival+ 9.5k, BC AA Aviator 4K, AKUSA FCU -10k , Comenity Blue Nile 8k, Discover 9k, Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 7.8k, Synchrony Cathay Pacific Visa 6k, PFCU Plat Rewards Siggy 18k, PFCU Power Cash Rewards 21.5 k, NFCU Go Rewards 24k , NFCU Flagship 31.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $3250, Target 1k, BLIS PAY 5k, Pay Pal 1k, Synchrony Virgin America 4k, 200k total available credit. Utiliz-5% Current FICO EQ-692, EX 708 TU 705 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Frequent Contributor
Posts: 261
Registered: ‎09-27-2015
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Re: FICO vs. FAKO – Share your FAKO stories

No explanation necessary... wish my FICO scores were the high ones.

Frequent Contributor
Posts: 381
Registered: ‎06-10-2015
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Re: FICO vs. FAKO – Share your FAKO stories

CK currently has me at 677; just signed up for Experian and EX gave me a FICO 8 of 719.

 

EX FICO 8: 763 | EQ FICO 8: 756 | TU FICO 8: 765
Established Member
Posts: 70
Registered: ‎11-02-2015
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Re: FICO vs. FAKO – Share your FAKO stories


drgurbz wrote:

No explanation necessary... wish my FICO scores were the high ones.


 

That's what I said,but according to people on these forums, CK scores are damn near accurate:

 

http://ficoforums.myfico.com/t5/Credit-Card-Applications/AMEX-application-denied-No-hard-hit/m-p/432...

 

 

AMEX PRG| Capital One QuickSilver $7.5K| Chase Sapphire Preferred $6K| Chase Marriott Premier Rewards $6K| Chase Freedom $2.2K| AMEX BCE $9K| Discover IT $3.4K| Barclays CashForward $6K| Wells Fargo Platinum $1K|
Established Member
Posts: 70
Registered: ‎11-02-2015
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Re: FICO vs. FAKO – Share your FAKO stories


drgurbz wrote:

No explanation necessary... wish my FICO scores were the high ones.


 

That's what I said,but according to people on these forums, CK scores are damn near accurate:

 

http://ficoforums.myfico.com/t5/Credit-Card-Applic​ations/AMEX-application-denied-No-hard-hit/m-p/43...

 

 

AMEX PRG| Capital One QuickSilver $7.5K| Chase Sapphire Preferred $6K| Chase Marriott Premier Rewards $6K| Chase Freedom $2.2K| AMEX BCE $9K| Discover IT $3.4K| Barclays CashForward $6K| Wells Fargo Platinum $1K|
Established Member
Posts: 70
Registered: ‎11-02-2015
0 Kudos

Re: FICO vs. FAKO – Share your FAKO stories

That's what I said,but according to people on these forums, CK scores are damn near accurate:

 

http://ficoforums.myfico.com/t5/Credit-Card-Applic​ations/AMEX-application-denied-No-hard-hit/m-p/43...

 

 

AMEX PRG| Capital One QuickSilver $7.5K| Chase Sapphire Preferred $6K| Chase Marriott Premier Rewards $6K| Chase Freedom $2.2K| AMEX BCE $9K| Discover IT $3.4K| Barclays CashForward $6K| Wells Fargo Platinum $1K|

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