Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

First score over 700 (it's FAKO but still nice)

I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: First score over 700 (it's FAKO but still nice)


Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

Their own?

 

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: First score over 700 (it's FAKO but still nice)


Repo-ed wrote:

Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

Their own?

 


Credit Sesame uses Experian information, is what I believe the OP was asking -- Clearly, as it's a FAKO it is their own SCORE, but Credit Sesame pulls Experian.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: First score over 700 (it's FAKO but still nice)

Credit Sesame's FAKO scores can't be trusted, but congratulations on the progress you are making.  Keep up the good work!


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: First score over 700 (it's FAKO but still nice)


lithium78 wrote:

Credit Sesame's FAKO scores can't be trusted, but congratulations on the progress you are making.  Keep up the good work!


No FAKOs can be trusted haha

 

It's all about the small wins in life tho!

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: First score over 700 (it's FAKO but still nice)

I know you can't trust FAKO's but it's nice to see general upwards movement. My CK has dropped like 40 pts on one but the other CK score has gone up about 30 in same time frame. Other than Penn Fed CU, where can I get EX score? If I did a mortgage check would I be able to get it from there?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: First score over 700 (it's FAKO but still nice)


Duncanrr wrote:
I know you can't trust FAKO's but it's nice to see general upwards movement. My CK has dropped like 40 pts on one but the other CK score has gone up about 30 in same time frame. Other than Penn Fed CU, where can I get EX score? If I did a mortgage check would I be able to get it from there?

Yeah but you'd also get a hard inq on your file, so its your call.. but yeah, a mortgage pull would give you your EX

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Moderator
Posts: 17,215
Registered: ‎07-14-2009
0

Re: First score over 700 (it's FAKO but still nice)


Duncanrr wrote:
I know it's just a FAKO but its my first score over 700. Credit Sesame jumped 58 pts to 712. Which score reporting agency do they base their scores?

From the CMS Guide here onsite:

 

CreditSesame - FREE - FAKO (EX's National Equivalency Score) - Like with Quizzle or CreditKarma, CreditSesame also offers a free credit score and report overview on a monthly basis. It'll show individual accounts, along with overviews on installments, revolving debt, etc. Based on the data, you'll be provided offers to refi, consolidate, and so on. The FAKO is a National Equivalency Score and that runs on a scale of 360-850.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: First score over 700 (it's FAKO but still nice)

@Scott. Not true. You can do a soft pull mortgage check. Typically these are done 6-8 months outside of new mortgage. I just need to find bank that will do this and pull ex for me. My credit union dies EQ and TU so no luck there.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: First score over 700 (it's FAKO but still nice)

[ Edited ]

Duncanrr wrote:
@Scott. Not true. You can do a soft pull mortgage check. Typically these are done 6-8 months outside of new mortgage. I just need to find bank that will do this and pull ex for me. My credit union dies EQ and TU so no luck there.

Hmmm.. Didn't know that..

 

my LO told me it was gonna be a hard which is why I never pursued it prior to the mortgage haha

 

Everything I read on multiple sites and forums convinced me standard mortgage pulls are hard, I didn't know of any banks that did softs for preapproval or even for investigative purpose...  I just assumed my EX would be my lowest and went from there haha

 

Interesting to know tho..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.