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FICO vs. FAKO – Share your FAKO stories

Established Contributor

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. 

 

EQ

Citi - 793

CK - 799

 

TU

Walmart -802

Discover - 804

CK - 804

CS- 807

 

EX

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
Message 61 of 121
Established Contributor

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: Paypal 2% CB PenFed 2% Power Cash Rewards \ BofW 3% CB Golden1 3% No Fastfood | gardening since Sept '17


FICO scores | Inq | AAoA: EX: 812 | 5 | 3yrs \ TU: 819 | 2 | 2yrs \ EQ: ? | 0 | 2yrs

Message 62 of 121
Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Myfico and credit karma, and vantage all updated today

Experian
Myfico - 639
CCT - 639

Equifax
Myfico - 630
CK - 646

Transunion
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
Current Scores: 11/7/17: [EQ-642] [TU-641] [EX-654]


Goal 08 Scores: 11/7/19: [EQ-742] [TU-686] [EX-739]
Message 63 of 121
New Visitor

Re: FICO vs. FAKO – Share your FAKO stories

Nice thoughts.

Message 64 of 121
Valued Member

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.

Message 65 of 121
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

CK FAKO

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!!!!

Message 66 of 121
Contributor

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
Message 67 of 121
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

CK FAKO
TU -594
EX - 582

Myfico
TU - 619
EQ - 653
EX - 611

Creditwise
565

I'm hoping to reaching 600 on my FAKO score.
Message 68 of 121
Frequent Contributor

Re: FICO vs. FAKO – Share your FAKO stories

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

CK
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!
Message 69 of 121
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories

My fico vs fako

Fako1.JPGfico6.JPG




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 70 of 121