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EX FAKO translation?

Contributor

EX FAKO translation?

Is there any way of determining at least a ballpark for EX FAKO scores to EX FICO? Currently have 750 EX FAKO and no idea how to really interpret the score.

 

Thank you.

EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: EX FAKO translation?

+/- 200 would put you within a close ballpark. 

 

Joking aside, FAKOs are worthless. There are so many FAKOs running off different scales like 330-830, 150-950, 350-850, 501-990, and so on, so it's hard to correlate. Also, FICOs factor in stuff into the score that FAKOs do not, and vice versa. So, it's very easy to see a spike in a FAKO, but your FICO drop, or vice-versa. Back when we could pull our EX FICO, I had a CA drop. My FICO increased 58. My TransRisk  EX FAKO dropped 8. In other words, the collection helped my FAKO but certainly hurt my FICO. It's like comparing apples and oranges. If you have 8 seeds in your apple, you cannot assume there will be 8 in your orange.

Message 2 of 4
Contributor

Re: EX FAKO translation?

Thanks for the reply. I figured with a lot of people getting EX FICOS through alternative means some sort of "pattern" would emerge. I don't like the fact EX can be pulled but, consumers have no idea what is being pulled. Frustrating.

EX: 750 (05/2015) | EQ: 765 (5/2015) | TU: 765 (5/2015)

Barclays World MasterCard CL: $19K
Capital One MasterCard CL: $3.9K (sock drawer)
CHASE Sapphire Preferred Visa Sig CL: $20K
JPM Ritz Carlton Visa Sig CL: $20K
Inquiries: 1 (EX) 0 (TU) 0 (EQ)
Message 3 of 4
Highlighted
Moderator Emeritus

Re: EX FAKO translation?

To quote another on here, it might even have been llecs.

 

FAKO is as FAKO does.  Sometimes no rhyme or reason to their scores.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4