Administrator Emeritus
Posts: 4,390
Registered: ‎03-01-2007

Bring us your non-FICO score experiences!

[ Edited ]
Has anyone out there had an experience where they thought the score they bought from another site was a real FICO score but it turned out to be a non-FICO score?
If so, how about sharing your non-FICO score experience with the community?

Message Edited by Barry on 08-02-2007 02:48 PM
In a past life I served as FICO consumer affairs manager, FICO media spokesman, and myFICO Forums community manager from 2007 to 2012. I'm now freelance writing about credit at and on my own site,
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007

Re: Bring us your FAKO stories!

I bought scores from the CRAs for years before learning they were FAKOs. That realization never came until I went to buy my house 5 yrs ago. Unbenounced to me, my FICO was 60 pts lower than FAKO! I think the broker spent a good hour trying to explain the difference to my wife and I. Having been there, I know how frustrating this can be for those who are uneducated. In addition to CRA scores I used PrivacyGuard monitoring. I was so excited thinking how informed I was to be getting my "scores" once a month for $129 a year. Live and learn. :smileytongue:
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007

Re: Bring us your FAKO stories!

I bought a vantagescore from Experian and was disappointed in one of the reasons they felt my score was low. It stated that my current mortgage loan was too low.

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