Credit Card Center Advertiser Disclosure†
06-02-2016 08:58 AM
I must be an anomaly. My CK/CS scores (esp the last 5-6 months) has been almost spot on to my fico score from citi, walmart and discover. Quizzle, at least for me, has always been (and still is) a joke. It is normally about 40-50 points off my fico.
Citi - 793
CK - 799
Discover - 804
CK - 804
Amex - 774
Quizzle - 799
06-02-2016 10:08 AM
quick one. FAKO VS3 doesn't really care much about my SSL/installment loan (from Alliant CU).
while i gained 37-40 pts on my FICO 08, VS3 deducted 10-11 pts.
current VS3 score:
TU 743 was 754 before SSL
EX 744 was 729 *well this one actually went up.
EQ 745 was 755
current FICO 08:
TU 805 was 765 *ditto
EX 797 was 763 *huge jump coz of SSL
EQ ??? but probably same as TU
needless to say, a wide margin between my fako and my fico scores. *50+ pts
wishlist: PenFed Power Cash Rewards \ BofW CB
Golden1 CU \ NFCU | gardening since July '17
FICO scores | Inq | AAoA: EX: 809 | 4 | 3yrs \ TU: 819 | 1 | 2yrs \ EQ: ? | 0 | 2yrs
06-09-2016 06:36 PM
06-18-2016 10:16 AM
Reason for that is.
advantage looks at your picture for last 2 years or so and any recent activity in your credit.
Fico looks at your all credit history .
so if you applied and open accounts recently In Advantage it will bounce more than your Fico
hope that kind of helps.
08-18-2016 07:43 AM - edited 08-18-2016 07:55 AM
TU - 780
EX - 786
TU FICO 08 (Barclay's) - 733
EX FICO 08 (Chase) - 730
EX FICO 08 (Discover non customer) - 734
The 50 point difference is really annoying me. Waiting for my FICO to catch up to my FAKO.
Edit: As I was writing this my Barclay's TU FICO finally updated....777!!!!
08-18-2016 02:45 PM
Thank you for the info -- I had assumed something along those lines was true, but it's nice to have confirmation!
09-13-2016 07:42 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.