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: 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
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
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