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Administrator Emeritus
Posts: 4,444
Registered: ‎03-01-2007
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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

Formerly consumer affairs manager, media spokesman and myFICO Forums community manager at FICO, I'm now freelance writing for and my own site,

Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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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. Smiley Tongue
Frequent Contributor
Posts: 491
Registered: ‎05-23-2007
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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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