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Massive difference in FICO/FAKO scores?

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guiness56
Epic Contributor

Re: Massive difference in FICO/FAKO scores?

Message 11 of 18
mongstradamus
Super Contributor

Re: Massive difference in FICO/FAKO scores?


@guiness56 wrote:

FICO 8 does score AU accounts.  They do ignore collections under $100.


do they score au an lot less than other versions, because i really can't see why my two TU fico scores differ by such an large margin? 110 is an huge difference. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 12 of 18
guiness56
Epic Contributor

Re: Massive difference in FICO/FAKO scores?

They are scored the same as previous versions as long as they are legitimate accounts.  What they don't score is the ones you purchase to have on your account or piggybacking,

 

How they differentiate between the 2 I guess is confidential.

Message 13 of 18
mongstradamus
Super Contributor

Re: Massive difference in FICO/FAKO scores?

 


@guiness56 wrote:

They are scored the same as previous versions as long as they are legitimate accounts.  What they don't score is the ones you purchase to have on your account or piggybacking,

 

How they differentiate between the 2 I guess is confidential.


I am guessing Walmart Fico score isn't counting the AU accounts i was added to on my parents accounts? there was an older cap one and amex costco card that i was added to , it seems like they aren't being counted at all. Is there anything i can do to have them added so they are counted?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 14 of 18
guiness56
Epic Contributor

Re: Massive difference in FICO/FAKO scores?

Message 15 of 18
mongstradamus
Super Contributor

Re: Massive difference in FICO/FAKO scores?


@guiness56 wrote:

If they are on your report they should be factored in.


well according to the pull i did with usaa credit check monitoring , it says both accounts are showing up on TU account , but when i pulled my last walmart fico , they are saying that i don't have enough accounts open, but i clearly have at least 5 accounts reporting to TU. I am at an loss what i can do to get my walmart fico up since that is what most cc pull correct?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 16 of 18
drogers86
New Member

Re: Massive difference in FICO/FAKO scores?

So, so, SO... 

 

The credit score/monitoring I have with myFICO if for my Equifax score, not Experian. I bought the EX score just now, and it is indeed 595. I'm looking at my two credit reports (EX + EQ) and the EX has two negative things that will fall off in April, whereas the EQ has no negative accounts. 

 

 

I thought the myFICO score I had purchased originally was for EX >_<

 

Solution for me: Wait till April and reapply.

Message 17 of 18
09Lexie
Moderator Emerita

Re: Massive difference in FICO/FAKO scores?

At least your figured it out! If the items are that old, I'm surprised they are dinging your score that much.
Message 18 of 18
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