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seems like the FAKO is always higher then the FICO

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fargobzn
Contributor

Re: seems like the FAKO is always higher then the FICO

My FICOs are almost always higher than my FAKOs, usually by 20-30 points. 



Message 11 of 16
tinuviel
Moderator Emeritus

Re: seems like the FAKO is always higher then the FICO

My EQ FICO is 772; my EQ FAKO is 707.

 

My TU FICO is 747; my CK TU FAKO is 774.

 

My EX FICO is 755; my CS EX FAKO is 729.

 

So, it's all over the place. My EQ and EX FICOs are higher -- EQ dramtically so! -- than my FAKOS. My TU FICO is lower than my FAKO. From what I've experienced, there's little to no correlation between FICO and FAKO scores. I've seen one go up while the other goes down, and vice versa.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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Message 12 of 16
rggarrison
Established Member

Re: seems like the FAKO is always higher then the FICO

My FAKO score is usually pretty close to the MyFICO score.  

 

However, my TU FICO from last month when I was approved for a BoA card was 27 points higher than both of them.  


Starting Score: 690
Current Score: myFICO: EX 773, EQ 773, TU 788
Goal Score: 800


Take the myFICO Fitness Challenge
Message 13 of 16
Steelersboy
Frequent Contributor

Re: seems like the FAKO is always higher then the FICO

all of my fakos are lower


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$89,500 total card credit FICO Equifax-823, FICO Transunion-774, FICO Experian-769, DTI-20.4%
Message 14 of 16
audia4
Established Contributor

Re: seems like the FAKO is always higher then the FICO

My FAKO scores are much lower than my FICO scores.

 

CK says 667 & CS says 783 and well, you can see my actual scores in my signature line. Smiley Frustrated

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 15 of 16
DaveSignal
Valued Contributor

Re: seems like the FAKO is always higher then the FICO


@tinuviel wrote:

My EQ FICO is 772; my EQ FAKO is 707.

 

My TU FICO is 747; my CK TU FAKO is 774.

 

My EX FICO is 755; my CS EX FAKO is 729.

 

So, it's all over the place. My EQ and EX FICOs are higher -- EQ dramtically so! -- than my FAKOS. My TU FICO is lower than my FAKO. From what I've experienced, there's little to no correlation between FICO and FAKO scores. I've seen one go up while the other goes down, and vice versa.


agreed.  To OP:  you can't make any generalization about FAKO scores.  They don't correlate to FICO scores and can be all over the place.  Lenders don't use FAKO.  You shouldn't either.

EX:694 TU:744 EQ:777
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Message 16 of 16
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