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Moderator
MarineVietVet
Posts: 14,960
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge for 2011!

It's fine to post those but i have to tell you that for sure the EX (Experian) and TU (Transunion) scores are not FICO's. The EX score is called a "Plus" score and is not used by any lenders.The score from TrueCredit is called a VantageScore and although a few lenders use the VS most still look to FICO scores in making decisions.

 

The score from EQ (Equifax) might be a FICO score but you have to be very careful what you buy there. EQ also sells their own proprietary "Equifax Credit Score" and this is not a FICO score.

 

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

 

(With all due credit to long time member llecs for this):

"Virtually everyone sells scores, but they are not all FICO scores. If you got scores from the big 3, then very likely 2 or all 3 of them are not FICO scores. Experian and TransUnion do not sell FICO scores on their website. We call these non-FICO scores, FAKOs, and can easily be as much as a few points to 100+ points off your real FICO when pulled the same day. If it didn't say "FICO" next to the score, then it isn't.

Other companies (e.g. freecreditreport.com, freescore.com, truecredit, creditkarma, Equifax Credit Complete, Quizzle, and dozens of others out there) sell scores, but they are nothing more than gimmicks and lenders don't use them. They do this because they want to avoid paying any fees to FICO and when they say "credit score" people buy it anyway on the assumption that it is a FICO. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e.g. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on)."

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Member
nickbrownsfan
Posts: 16
Registered: ‎12-03-2011
0

Re: Take the FICO Fitness Challenge for 2011!

Thanks for the information. I guess I didnt read enough here yet. Going on what you have said then they are not the true scores because it was all for the free trials except for eq which some how had my information from 2002. For the life of me dont remember signing up with them back then but got that straight. Doesnt change the fact that its incorrect and probably a FAKO.

 

Moderator
MarineVietVet
Posts: 14,960
Registered: ‎07-14-2009
0

Re: Take the FICO Fitness Challenge for 2011!

[ Edited ]

nickbrownsfan wrote:

Thanks for the information. I guess I didnt read enough here yet. Going on what you have said then they are not the true scores because it was all for the free trials except for eq which some how had my information from 2002. For the life of me dont remember signing up with them back then but got that straight. Doesnt change the fact that its incorrect and probably a FAKO.

 



One way to know for sure about that score from EQ. If you did not see the word "FICO" anywhere then you can be sure it's a non-FICO (FAKO) score.

 

Also don't beat yourself up for not knowing about all the non- FICO scores. I certainly had no idea what was going on until I found these forums and I doubt if very many other people do either.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

New Member
junglegym1
Posts: 1
Registered: ‎12-01-2011
0

Re: Take the FICO Fitness Challenge for 2011!

I want my fico score tto stay the same.  It is now 738.  And in order to keep it that high

i have to get my balances much lower.  For that Ihave to quit charging on my card.

Regular Contributor
morganirish
Posts: 188
Registered: ‎10-15-2008
0

Re: Take the FICO Fitness Challenge for 2011!

gained 16 on TU!   My goal is to get to 800-  I know this is more for 2012 but I feel like I am getting there.  If I stay in the credit garden, and if by some miracle TU removes the last late from my credit report then maybe by the middle of 2012.   

New Visitor
jennie21979
Posts: 2
Registered: ‎12-09-2011
0

Re: Take the FICO Fitness Challenge for 2011!

<hr><img align="left" border="0" width="50" height="50" src="http://ficoforums.myfico.com/fico/i/custom/FFC_Icon.gif"><font size="2"><font size="1">Starting Score:</font> <b>800</b><br><font size="1">Current Score:</font> <b>800</b><br><font size="1">Goal Score:</font> <b>850</b></font><br><br><font size="1"><a href="http://ficoforums.myfico.com/t5/FICO-FITNESS-CHALLENGE/Take-the-FICO-Fitness-Challenge-for-2011/m-p/...">Take the FICO Fitness Challenge</a></font>


Starting Score: 580
Current Score: 580
Goal Score: 750


Take the FICO Fitness Challenge
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Take the FICO Fitness Challenge for 2011!

[ Edited ]

FICO update:
TU: 747
EQ: 745
EX: Who Knows (FAKO: 720)

I am so happy right now. When I started the MYFICO forums, I had never dreamed I could get to the scores I have now!
For all those just starting- Read, Learn and Implement what you've learned. In less then a year I have improved my scores 100+ points.
Before this- I was lucky to have a 647 as my highest score ever.
Good Luck to All. Gonna be setting a new goal in 2012!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

Re: Take the FICO Fitness Challenge for 2011!

 

1. My fico score goal for the end of 2011 is 730, 780 by December of 2012

2. Current FICO scores are EQ 722, EX 712, TU 714 here, but 734 from creditor

3. I plan to achieve my goal by paying down all total debt to less than $500 owing


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


New Member
JB9395
Posts: 2
Registered: ‎04-25-2011
0

Looks like I am late to the party...2012 sounds like a gr...

Looks like I am late to the party...2012 sounds like a great challenge!


Starting Score: 527
Current Score: 599
Goal Score: 740


Take the FICO Fitness Challenge
Member
Jbrown7815
Posts: 33
Registered: ‎11-27-2011
0

Re: Take the FICO Fitness Challenge for 2011!

1. Your FICO score goal for 2011  700

2. Your current FICO score(s) 692

3. The steps you plan to take to achieve your goal Pay off credit cards!


Starting Score: 679
Current Score: 721
Goal Score: 800


Take the FICO Fitness Challenge

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