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My First "8" score!!

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chasing8s
Valued Member

My First "8" score!!

I checked my EX score via My Fico and it came back as 817!!!  I think my heart stopped for a second.  But then I remembered some talk on this forum about EX being a "FAKO" score??  What does that mean?  I will say that my EQ and TU scores are about 70-80 points less, so I can't truly celebrate the "8" until I know if that EX score is just pure bogus, lol. 

 

Can anyone tell me what EX via My Fico is calculating and how come its so much higher than the others? 



Message 1 of 10
9 REPLIES 9
djc1puno
Valued Contributor

Re: My First "8" score!!

Congrats!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 2 of 10
darkfrosty
Established Contributor

Re: My First "8" score!!

i thought ex thru this site is a fico

CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards
Message 3 of 10
09Lexie
Moderator Emerita

Re: My First "8" score!!

The ex score sold here is a FICO not FAKO. Congratulations on your achievement!
Message 4 of 10
thom02099
Valued Contributor

Re: My First "8" score!!


@09Lexie wrote:
The ex score sold here is a FICO not FAKO. Congratulations on your achievement!

+1 and Congrats on your achievement!

 

It is a true FICO here, it's the latest and greatest version of Experian, referred to by some here as EX08.  The model still commonly used is EX04. 

Message 5 of 10
Repo-ed
Senior Contributor

Re: My First "8" score!!

Wait, we can now by FICO EX ---- and from here?!!?

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 6 of 10
pizzadude
Credit Mentor

Re: My First "8" score!!

Moved to general credit.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 7 of 10
guiness56
Epic Contributor

Re: My First "8" score!!


@Repo-ed wrote:

Wait, we can now by FICO EX ---- and from here?!!?


Yep, for a little while now.

Message 8 of 10
Roarmeister
Frequent Contributor

Re: My First "8" score!!

FICO or FAKO.... whatever... to get a score in the 800s is still something to celebrate!  Congrats and here is to continued sucess.

 

Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Oldest Reporting EQ Account: 20.4 years; EQ AAoA: 9.9 years;
ACTUAL Oldest account 40.1 years; ACTUAL AAoA 19.3 years.





Message 9 of 10
lhcole77
Valued Contributor

Re: My First "8" score!!

YAY! Congratulations!

Message 10 of 10
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