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Yes, lol Transunion makes me smile all the time but Equifax makes me frown I'm busting my butt to raise my score it and it never raises it has been 616 forever
Its not equifax. Its the derogatory account statuses on your equifax report that are slowing the increase when FICO is calculated. You need to either let these age, offer pay for deletion, send good will requests, or dispute if inaccurate.
As far as FAKO scores, my USAA FAKO from EX PLUS is right on (my TU FICO is within 3 points and my EQ FICO is exactly the same - 0 point difference). My Credit Karma FAKO is awful. They give me a grade of 'F' for AAoA because I have recently opened a bunch of accounts and calculate my AAoA to be 8 months. FICO however calculates AAoA of 5+ years.
So, for sure, stay away from Credit Karma. The USAA FAKO works great though.
ok. nevermind then.
Thanks Davesignal that was really informative again learned something new. I appreciate the advice