Fico/Fako Which one is closest?

Onthe27thday · ‎06-03-2014

Hey guys, I find myself confused about the scores I am pulling. Some I KNOW are fakes... others, not so sure.

USAA Credit Monitoring: EX: 601 EQ: 596 TU: 606 are these Fakos?

Credit Sesame: 613

Discover Statement: is this a FICO? or Fake? 665

Capital One Tracking: is this a FICO or Fake? 622

Credit Karma: 624

Because the scores are all over the place, I'm having a hard time finding a medium. These scores range from poor credit to average credit depending on what site I'm on. I am just wondering if I'm out of the poor category or not yet.

Also, I have a new Auto Loan and Secured CC that are not yet reporting. Does anyone know if I should expect to see an increase or a decrease in scores once they report?

Thanks for any help you can give.

Starting Score (Oct '13): 473 (EX), Current Score: MyFICO EX: 713 EQ: 715 TU: 717, Goal Score: 740 & above. Capital One Quicksilver: $2250, Discover IT: $9500, Chase Amazon Store Card: $2600, Care Credit: $15000, Barclays Rewards: $1850 BCE: 20,000, PenFed Visa Sig: 7,000 NFCU cashRewards $24,600

Shogun · ‎06-03-2014

All FAKOS.....

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

baller4life · ‎06-03-2014

Discover is the only Fico. Pulled from TU. The others are fakos.

baller4life · ‎06-03-2014

Shogun. I thought Discover was fico. Wait are you talking the score on monthly statement OP?

Onthe27thday · ‎06-03-2014

I was referring to the credit score on the monlthy statement, I believed that I had seen that it was a FICO before... but I guess not Thanks for your help!

Starting Score (Oct '13): 473 (EX), Current Score: MyFICO EX: 713 EQ: 715 TU: 717, Goal Score: 740 & above. Capital One Quicksilver: $2250, Discover IT: $9500, Chase Amazon Store Card: $2600, Care Credit: $15000, Barclays Rewards: $1850 BCE: 20,000, PenFed Visa Sig: 7,000 NFCU cashRewards $24,600

Shogun · ‎06-03-2014

@baller4life wrote:
Shogun. I thought Discover was fico. Wait are you talking the score on monthly statement OP?

Discover provides a TU FICO 08 with the discover card. However, the Discover Tracking is a FAKO provided from Experian.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

baller4life · ‎06-03-2014

Yes yes yes the score on your Discover monthly statement is your TU FICO! The others are all fakos.

baller4life · ‎06-03-2014

Ok I have never even heard of Discover Tracking. Where is that offered?

Shogun · ‎06-03-2014

@baller4life wrote:
Ok I have never even heard of Discover Tracking. Where is that offered?

https://www.discover.com/credit-cards/member-benefits/security/protection-solutions/credit-scoretrac...

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

baller4life · ‎06-03-2014

Thanks for link. Wouldn't even give me details because they are not accepting new enrollment at this time. So, let me get this straight because I have only had mine a week. The score we receive with our card is the only TU FICO we receive? The score on the monthly statement is EX Fako???.