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Frequent Contributor
wreith
Posts: 441
Registered: ‎06-13-2012

MyFico scores

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 :smileylol:

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $3K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $2800.
Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: MyFico scores

[ Edited ]

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 :smileylol:


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.

 


 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
wreith
Posts: 441
Registered: ‎06-13-2012

Re: MyFico scores

[ Edited ]

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 :smileyvery-happy:

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $3K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $2800.
Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: MyFico scores


wreith wrote:

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


Yes, MyFICO only sells FICO scores.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
wreith
Posts: 441
Registered: ‎06-13-2012

Re: MyFico scores


pizzadude wrote:

wreith wrote:

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


Yes, MyFICO only sells FICO scores.


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

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $3K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $2800.
Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: MyFico scores

 

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

 

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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
wreith
Posts: 441
Registered: ‎06-13-2012

Re: MyFico scores

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

03/10/2014 Walmart TU 724
09/07/2013 MyFico EQ 684
03/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $11K, CareCredit $3K, Chase Freedom $1900, Walmart $4500, Lowes $9800, QVC $1200, HSN $2050, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $1K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $2800.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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