03-17-2012 06:21 AM
finally got an updated score today on CK with an increase of 12 points on the transrisk and 38 on the vantage!!. only FAKOs I know, but I consider it practice for when I pull a new FICO score. They are still showing that one of my balances is higher than it is, so more jumps to come when that card reports!! So I am practicing my happy dance for the real thing. If you do this right, it just keeps getting better!!!!!!!
03-17-2012 06:24 AM
Be careful. A change in your FAKO scores doesn't mean your will have a change in your FICO score. Even the change direction could be oposite.
03-17-2012 01:33 PM
While it is true the FAKO doesn't always reflect FICO, if you got your util down, your FICO will go up if it changes. So, keep practicing that dance
03-17-2012 05:33 PM
FAKO's favorable UTL percentage is easier to get than FICO, accordning to Credit Karma FAKO UTL of less than 20% is an "A" in there book where myfico says FICO likes 9% or less, My FAKO score increased slowly as my UTL went from 19% to 13% my FICO score stayed the same during the same time period, I am not expecting a big leap in my FICO score untill I am finally reporting 9% UTL and I may not even get it then since I will have balances on 2-3 cards at the time that happens.