Fico/Fako Which one is closest?

[Shogun]

---

@baller4life wrote:
Thanks for link. Wouldn't even give me details because they are not accepting new apps 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???.

---

NO... this was a seperate program, it's been around for awhile.  I think it was phased or being phased out.

Your monthly score provided to you is a TU FICO08 score from Discover.

[myjourney]

---

@Shogun wrote:

---

@baller4life wrote:
Thanks for link. Wouldn't even give me details because they are not accepting new apps 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???.

---

NO... this was a seperate program, it's been around for awhile.  I think it was phased or being phased out.

Your monthly score provided to you is a TU FICO08 score from Discover.

---

Yes sir phased out for membership about 1 1/2 ago

[baller4life]

WHEW... Scared me for a sec there. lol. I was pretty sure that the score on the monthly statement was FICO. Thanks guys for clarifying. Hope this helps the OP as well. All the ones you listed are FAKOS. Only your Discover monthly statement score is FICO.

[baller4life]

---

@Onthe27thday wrote:

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.

---

Depends if you will see a score increase. I did when my Cap 1 secured started reporting because I didn't have any other revolving credit. Some profiles will see a decrease because it affects your AAoA. YMMV

[Onthe27thday]

Thanks for being so thorough with the information! I will pray that it's not a decrease! You guys have helped alot