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SCORE JUMP? I HOPE SO!!!!!

Frequent Contributor

SCORE JUMP? I HOPE SO!!!!!

I look at Credit.com and it looks at EX.  Is that a FICO or FAKO?  Anyhow...it gave my last free score on 2/12 as 627.  I just started Creditsesame.com tonight and it does EX also and it says 650.  THAT'S 23 POINTS!!  Are all FAKOs the same if they use the same CA?


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Message 1 of 9
8 REPLIES
Valued Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

No all fakos are not the same.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 2 of 9
Regular Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

A bump is exciting, be it FICO or FAKO! Way to go!!

Message 3 of 9
Frequent Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

yeah Im no longer considered POOR....Im now FAIR.  But progress is moving in a positive direction so I'll take it!


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Message 4 of 9
Moderator Emeritus

Re: SCORE JUMP? I HOPE SO!!!!!

Saying here is FAKO is as FAKO does.  Currently CK is off on my FICO by over 140 points. 

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.
Message 5 of 9
Frequent Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

Shogun, I concur.  If the score I got tonight is reasonably correct then mine is off by 60 from CK.


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Message 6 of 9
New Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

Wow! That certainly sucks. So what good are FAKOs anyway? And is there any way a consumer can get their EX or TU FICO? As far as I know, we can only buy our EQ FICO, right?


Shogun wrote:

Saying here is FAKO is as FAKO does.  Currently CK is off on my FICO by over 140 points. 


 

Message 7 of 9
Valued Contributor

Re: SCORE JUMP? I HOPE SO!!!!!

You can buy a tu fico on this site.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 8 of 9
Highlighted
Moderator Emeritus

Re: SCORE JUMP? I HOPE SO!!!!!

There are also some perks of having certain CCs or belonging to certain CUs that will give you your FICO scores.  Walmart gives you your TU08 if you have their card and sign up for paperless billing.  DCU I believe gives you your EQ and a CU in Pennsylvania gives your your EX.

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.
Message 9 of 9