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Valued Contributor
Posts: 1,146
Registered: ‎11-30-2012
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How accurate is Experian FAKO score to real FICO score?

I pulled a credit report and score today from Experian.com (which is a FAKO score) and it's pretty bad, 597. I had a mortgage company pull my credit score on 11/14/12 and for Experian, I had a 642 (which is being used as the middle score for the loan).

 

I'm praying that my score didn't drop 45 points in the past month because I see no reason for it to drop off. I actually had a lot of bad accounts age off since that report, a total of 8 actually. 

 

So how accurate is the Experian FAKO score vs a real FICO score?

Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
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Re: How accurate is Experian FAKO score to real FICO score?


Mike_B03 wrote:

I pulled a credit report and score today from Experian.com (which is a FAKO score) and it's pretty bad, 597. I had a mortgage company pull my credit score on 11/14/12 and for Experian, I had a 642 (which is being used as the middle score for the loan).

 

I'm praying that my score didn't drop 45 points in the past month because I see no reason for it to drop off. I actually had a lot of bad accounts age off since that report, a total of 8 actually. 

 

So how accurate is the Experian FAKO score vs a real FICO score?


They do not correlate.  They could be exactly the same or a hundred off.  Search the forums here for ways to get an EXP fico - 

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Blogger
Posts: 3,348
Registered: ‎10-19-2012
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Re: How accurate is Experian FAKO score to real FICO score?

FAKO's are not accurate. If accurate they would've been FICO scores.

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