General Credit Topics

[wreith]

I just bought my scores today are the MyFICO scores true scores or FAKO's?  I just want to make sure I'm getting the right scores, cause they have gone up since my lender pulls which makes my a very happy credit novice

[pizzadude]

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wreith wrote:

I just bought my scores today are the MyFICO scores true scores or FAKO's?  I just want to make sure I'm getting the right scores, cause they have gone up since my lender pulls which makes my a very happy credit novice

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They are FICO scores, MyFICO sells TU98 and EQ04 Classic FICO scores.     However be aware that for some people TU98 scores can vary significantly from TU04.

Unless the score you are purchasing explictly says that it is a FICO score you can assume that it is a FAKO score.

[wreith]

Since I bought them on this site can I assume they are real then?  Double checked and says fico score simulator, so if it's not a true score how close is it?  Cause I'm really like the scores

[pizzadude]

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wreith wrote:

since I bought them on this site can I assume they are real then?

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Yes, MyFICO only sells FICO scores.

[wreith]

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pizzadude wrote:

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wreith wrote:

since I bought them on this site can I assume they are real then?

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Yes, MyFICO only sells FICO scores.

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Ok thanks, thats a relief.  Now if only I could get my real EX without getting turned down by AMEX

[pizzadude]

Yeah, it's frustrating that we consumers can no longer purchase EX FICO scores. 

If you are a member of PSECU you can get a monthly EX FICO score;  they're about the only creditor that gives out EX FICO scores without a hard inquiry.

[wreith]

No, I live in IL, so they are pretty much a no go for me I think.