07-04-2011 07:47 AM
Typically it's the case that the FAKO score is far higher than the FICO score. My Mom's TransUnion scores are as follows:
FAKO (Reported via TrueCredit.com): 663
FICO (Reported via myFICO.com): 712
That's a 49 point differnce, in the opposite direction than one would assume. Anyone seen this before? Any explanation?
Her Equifax is doing the same...
FAKO (Reported via equifax.com): 598
FICO (Reported via myFICO.com): 639
07-04-2011 08:47 AM - edited 07-04-2011 08:48 AM
The simple answer to this is that you are comparing fake scores to real scores. That is basically it. It can be higher, it can be lower than your FICO. Doesnt really matter since its not accurate. The scores you get from TC has a score scale from 501 to 990, while the highest score on the FICO model is 850. The only time I pay attention to my FAKO score is when there is a big and noticeable change in it. This is when I really review my CR to see what has changed.
07-04-2011 10:44 AM
Usually folks' Vantage score is higher due to the scale as pointed out. I'm with you; mine is much lower too historically. Vantage factors in stuff FICO does not and vice-versa. All the more reason to ignore it.
07-05-2011 12:15 PM - edited 07-05-2011 12:15 PM
My TU FAKO from Credit Karma is 645 and my TU98 from myfico is 646
My EX FAKO Plusscore is 644 so I'm hoping that my EX FICO is close to it once I get it in 1 week.