@savings4tomorrow wrote:So I have been working really hard lately, paying close attention to my scores after ignoring them for several YEARS cause they were so bad…Anyway, in the last couple of weeks, after making a vow to repair my credit this year, I have been paying really close attention. I subscribed to CK, then I purchased SW and Experian….My score via SW had increased 41 points, Experian 39 and this morning I get an alert from CK that is has DECREASED 5 points…I also finished up applying for a shared secured loan today, and she told me my score was even higher than SW/Experian are reporting. (I forgot to ask her who they used). My questions is, I know that CK is a FAKO, if I were to purchased my Transunion report, is it likely to be what CK is reporting? Thanks in advance!
Most likely higher. My CK is 697, actual TU08 is 717...
@savings4tomorrow wrote:So I have been working really hard lately, paying close attention to my scores after ignoring them for several YEARS cause they were so bad…Anyway, in the last couple of weeks, after making a vow to repair my credit this year, I have been paying really close attention. I subscribed to CK, then I purchased SW and Experian….My score via SW had increased 41 points, Experian 39 and this morning I get an alert from CK that is has DECREASED 5 points…I also finished up applying for a shared secured loan today, and she told me my score was even higher than SW/Experian are reporting. (I forgot to ask her who they used). My questions is, I know that CK is a FAKO, if I were to purchased my Transunion report, is it likely to be what CK is reporting? Thanks in advance!
You are correct that CK is a Fako score. CK only scores opened accounts. It does not account for any closed accounts unless they are in collection.
