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New Member
stilldazed
Posts: 4
Registered: ‎04-22-2009

freecreditreportsinstantly.com says it gives all 3 FICO scores w/free trial-the real deal?

freecreditreportsinstantly.com says it gives all 3 CU scores-EQ, EX& TU- w/a 7 day trial of its Credit
Diagnosis service. These must be FAKO scores. I read the fine print carefully, but I couldn't find
anything saying the scores weren't FICOs, so I must've missed something b/c this couldn't possibly
be true. Could it?
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Epic Contributor
haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

Re: freecreditreportsinstantly.com says it gives all 3 FICO scores w/free trial-the real deal?

Look again. Do they actually say "FICO", or do they say "credit scores"?

If they say FICO, can you screenshot this and post this here? A lot of us would be fascinated. Probably the FICO legal department, too. :smileywink:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Member
stilldazed
Posts: 4
Registered: ‎04-22-2009

Re: freecreditreportsinstantly.com says it gives all 3 FICO scores w/free trial-the real deal?

Oops I've probably got the terminology wrong *insert red face here*. I thought those CB scores were the same as FICOs, but I see I was wrong. Looks like I should've said CBs & not FICOs. They do say EX, EU & TU, though. Is there a way they can still give FAKOs while they name the CBs?
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

Re: freecreditreportsinstantly.com says it gives all 3 FICO scores w/free trial-the real deal?


stilldazed wrote:
Oops I've probably got the terminology wrong *insert red face here*. I thought those CB scores were the same as FICOs, but I see I was wrong. Looks like I should've said CBs & not FICOs. They do say EX, EU & TU, though. Is there a way they can still give FAKOs while they name the CBs?

Sure they can, and believe me, you're not the first to get fooled.

There are the FICO scoring formulas, developed at the request of each CRA, and each slightly different. And then there are the credit reports maintained by each CRA. When someone pulls a FICO score, the CRA runs the info on the report through the FICO score formula, and voila, you have your FICO score. But they have to pay part of the fee to FICO.

If someone goes to the Experian site, for instance, and requests their credit score, Experian will cheerfully run the info on the report through a non-FICO score formula (PLUS score, Vantage score, etc.) and presto, you have a "credit score." Unfortunately, it's not worth much. Same thing happens if you buy your credit scores from freecreditreport-dot-com, TrueCredit, CreditSecure, and on and on. The score providers make a nice little profit on these things.

That's why we call those FAKO's.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Member
stilldazed
Posts: 4
Registered: ‎04-22-2009

Re: freecreditreportsinstantly.com says it gives all 3 FICO scores w/free trial-the real deal?

Whoa, FAKO is a nice word! Glad I didn't rely on any of their "scores." More glad for these forums-thanks!

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