There is no reliable formula whatsoever to convert any FAKO to a FICO.
It could be higher, it could be lower, it could be off be a tiny or huge margin, and I suppose it's always possible that it could (accidentally) be the same.
edited to clarify that there are probably a bunch of formulae out there, but none work consistently for everyone all the time, so they're about as worthless as the FAKO's themselves.
Message Edited by haulingthescoreup on 04-07-2009 04:20 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
To add, your FICO can go up and your FAKO through EX could go down for the same thing. One of my last CAs was removed leaving 0 CAs remaining at that time, and my EX FICO (when we could pull it) jumped 58 points. My EX FAKO via EX's PLUS score (same as on EX.com) dropped 8 points when pulled on the same day and same time. As an other example, a new CA appeared and later disappeared, but my EX FICO dropped 103 points. My EX PLUS FAKO score dropped only 60 or so. There's no correlation.