Why are my FAKO's so much lower than my FICO?

sharriel · ‎12-13-2013

I thought it was usually the other way around! Please see my signature. My FAKO's were pulled from EQ (I did the all 3 credit report deal for $19.95)

5/16/13 Starting FICOEQ: 521 FICOTU: 536 FICOEX: 571
5/13/14 Current FICOEQ: 668 FICOTU: 690 FICOEX: 673

pizzadude · ‎12-13-2013

@sharriel wrote:
I thought it was usually the other way around! Please see my signature. My FAKO's were pulled from EQ (I did the all 3 credit report deal for $19.95)

There's really no rule of thumb here. FAKOs use their own scoring logic and max / min values, which are different from FICO and can't be correlated.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

ksantangelo23 · ‎12-13-2013

I have the opposite situation. My FAKO is miles ahead of my true FICO score - reference my signature.

TU: 818 EX: 809 EQ: 801

Involver · ‎12-13-2013

I wouldn't worry about the difference, the FAKO scores are purely for reference purposes. Focus more on what's on your reports. My FAKOs are also all about 20+ points lower as well.