Do all of the CRA have the same FICO score?

Anonymous · ‎06-15-2007

If not why such a difference? And which is usually the lowest?

Boswd · ‎06-15-2007

for the most part no they are not. One reason is not every creditor reports to all three CRA's which could be bad or good depending on whether it's a positve or a derogutory account.

MidnightVoice · ‎06-15-2007

Yes

YMMV

It depends on, amongst other things, which report has what errors (and they nearly all have SOME errors), which TLs report to which company, the phase of the moon and the rotation of the earth.

For Example, EX hates me. They will not remove some errors, and my best TL does not report to them and I have had no luck getting them to add it manually.

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Tuscani · ‎06-15-2007

And there is a different formula for each CRA as well.

Anonymous · ‎06-15-2007

If there is a different formula for each CRA, what makes anyone of them a less FAKO FICO?

Tuscani · ‎06-15-2007

Rocket01 wrote:

If there is a different formula for each CRA, what makes anyone of them a less FAKO FICO?

Because 99% of lenders still pull FICO... regardless of the three different formulas, they are still FICOs. FAKO formulas are those of which were not created by Fair Isaac.