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Frequent Contributor
Posts: 494
Registered: ‎03-05-2013

Re: FICO vs. FAKO – Share your FAKO stories

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



Walmart -802

Discover - 804

CK - 804

CS- 807



Amex - 774

Quizzle - 799



Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Frequent Contributor
Posts: 495
Registered: ‎01-21-2016

Re: FICO vs. FAKO – Share your FAKO stories

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: Marvel Spider-Man MC \ PenFed CU \ NFCU \ Golden1 CU | gardening since June '16

FICO scores | Inq | AAoA: EX: 809 | 6 | 3yrs \ TU: 811 | 2 | 2yrs \ EQ: ? | 1 | 2yrs

Regular Contributor
Posts: 184
Registered: ‎03-18-2016

Re: FICO vs. FAKO – Share your FAKO stories

Myfico and credit karma, and vantage all updated today

Myfico - 639
CCT - 639

Myfico - 630
CK - 646

Myfico - 630
CK - 705

I guess credit karma isn't too far off on my EQ, but right now I can only dream of my transunion in the 705 area
Starting Scores: 1/1/16 FICO 08: [EQ-583] [TU-587] [EX-582]

Current Scores: 3/26/17 FICO 08: [EQ-649] [TU-644] [EX-646]

Total Available Credit: $67,100 plus a hidden $11,000 LOC
New Visitor
Posts: 2
Registered: ‎06-18-2016

Re: FICO vs. FAKO – Share your FAKO stories

Nice thoughts.

Established Member
Posts: 37
Registered: ‎12-04-2015

Re: FICO vs. FAKO – Share your FAKO stories

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.

Established Member
Posts: 29
Registered: ‎01-24-2014

Re: FICO vs. FAKO – Share your FAKO stories

[ Edited ]


TU - 780

EX - 786


In contrast

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!!!!

Posts: 86
Registered: ‎08-10-2016

Re: FICO vs. FAKO – Share your FAKO stories

Thank you for the info -- I had assumed something along those lines was true, but it's nice to have confirmation!

Current: EQ 710 TU 730 EX 700 || Starting (11/15): EQ 546 TU 553 EX 556 || AAoA: 3.4 Years || Inqs: EQ 5 TU 8 EX 11
Established Member
Posts: 22
Registered: ‎08-03-2016

Re: FICO vs. FAKO – Share your FAKO stories

TU -594
EX - 582

TU - 619
EQ - 653
EX - 611


I'm hoping to reaching 600 on my FAKO score.
Frequent Contributor
Posts: 451
Registered: ‎03-06-2016

Re: FICO vs. FAKO – Share your FAKO stories

Mine are way off now. Used to be about a 25 pt difference.

Tu: 753
EQ: 754

Tu 08: 694
EQ 08: 668 Smiley Sad

Not sure why vantage models seem to love me so much, but sure wish my fico scores were that high!
Valued Contributor
Posts: 1,468
Registered: ‎08-12-2012

Re: FICO vs. FAKO – Share your FAKO stories

My fico vs fako


TU fico08=814 4/23/17
EX fico08=803 4/23/17
EQ fico08=804 4/23/17
Garden since 4/5/2017

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