04-27-2013 08:01 AM
I've been monitoring with the EQ site. 575 EQ FAKO. Today I decided to see my FICO from the EQ site... 613 EQ FICO.
04-27-2013 08:19 AM
04-27-2013 08:25 AM
The EQ site seems to score lower than FICO. Mine is about 50 points lower.
04-27-2013 09:14 AM
It depends on who's FAKO. They all have their own scoring system. I took this from my USAA reports, which uses Experian's PLUS system (just match it up in order, this site wouldnt paste correctly):
|Payment History and Bankruptcy|
|Credit Card Debt|
|Length of Credit History|
|Type and Number of Credit Cards|
|Credit Applications and Inquiries|
|PLUS Credit Score|
04-27-2013 09:19 AM
I think on the Plus Score they count all of your INQ for the full 2 years.
04-27-2013 09:45 AM
I have been using Equifax website too to check my credit scores daily. But cancelled it when found out those scores on their website are FAKO and actually about 20-30 points less than FICO score which actually matters for the lenders. I am now using SCORE WATCH on myFico and i would say this is much better. Whenever your score changes it alerts you and shows your new score. Also sends all other alerts (new account/change in accounts/ ID theft and etc.)
Also purchased FICO quarterly monitoring from myFICO to monitor TU scores and alerts too. Not a worth to pay high fees on Equifax and TU websites. TU website score is Vantage scores which is still not considered among major number of lenders.
Do anyone know if there is a way to know Experian FICO score. I have been using freecreditreport.com. But their scores are PLUS scores which are supposed to be 30-40 points higher than FICO.
04-28-2013 12:25 AM
Does it really matter what your "score" is??? Or does it matter that you get what you need when you need it? I guess I don't get the whole score thing.
Scores come into play at certain times, but I agree somewhat with this. I just want to get my report as clean and healthy as I can, the scores will follow.
04-28-2013 06:35 AM
Well I use the FAKOs not to know my actual score but to see the trend. FAKO's although not right will go up or down like the real FICO will.
I currently use privacy guard. all 3 reports pulled every 30 days. I am going to continue this until I get the tax lien removed and my last baddie falls off in january. Once I see all that clean I will drop it and start pulling 1 report from here ever other month (even at 20 a pop it ends up being cheaper then the ongoing charge) and the months my free yearly report is available I won't buy one at all.