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FAKO TU up, FICO TU no change (13 bucks down the tubes)

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marty56
Super Contributor

FAKO TU up, FICO TU no change (13 bucks down the tubes)

Besides Score Watch I use National City Identity Protect (True Credit).
 
I spoke with TU a few days ago to change the coing on an account that was in a DMP.  I get a new report on NCIP today to see if the change was made and discovered that my FAKO TU score went up 14 points.
 
Great, I thought since I only needed 4 more points to get to 760, so I paid for my TU report ehere and NO CHANGE.  They only other change to me TU report was that a CC balance when from just above 50% to just below 50% and another card reported 1.7 % util which is now PIF.
 
Boy was I bummed,  The moral here is that I wont pay for me score again until I see a Score Watch Alert or I know that my only remaining CC balance is under 10%.
 
It seems FAKO TU is more sensitive to CC balance changes then the real FICO.  I should have known.  I just wanted 4 more fargin points.
 
Maybe next month.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 1 of 7
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Anonymous
Not applicable

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)



marty56 wrote:
 
It seems FAKO TU is more sensitive to CC balance changes then the real FICO.  I should have known.  I just wanted 4 more fargin points.

When you consider that FICO scores are used by 90% of lenders and NCIP FAKO scores are used by 0% of lenders, what does your experience tell you?
 
Don't trust the FAKOs!

 


Message Edited by cheddar on 02-29-2008 10:24 AM
Message 2 of 7
marty56
Super Contributor

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)

I knew that the FAKO/FICO scores didnt match but I thought that a change in a FAKO score would produce some change in my FICO score.  At least I wanted it to.
 
I forgot that FAKO is FAKO.
 
The truth is I violated my reason for having NCIP.  It was to check my CRs for changes on TU and EX after I received a Score Watch alert from EQ so I would know when to pull them here.
 
I guess I got ahead of myself again (which is why I messed up my credit in the first place)
 
My bad.
 
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 3 of 7
haulingthescoreup
Moderator Emerita

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)

Ouch! Sorry to hear that.

I still have my own shoeprints on my rear end from when I pulled all three scores after a CC updated, but only on one CRA. duh.

Excitement leads us all astray every now and then! Smiley Tongue
* 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
Message 4 of 7
marty56
Super Contributor

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)

They funny thing is that we went to Vegas in Dec and I think I did better with the slots then pulling my CRs here.
 
I shouldnt complain.  Ihavent had a Score Watch Alert since the 5th which is okay with me  by April I should get the one I am waiting for.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 5 of 7
haulingthescoreup
Moderator Emerita

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)



@marty56 wrote:

I shouldnt complain. I havent had a Score Watch Alert since the 5th which is okay with me by April I should get the one I am waiting for.


oooo! Smiley Surprised What happens then? Something falling off, I'm thinking...
* 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
Message 6 of 7
marty56
Super Contributor

Re: FAKO TU up, FICO TU no change (13 bucks down the tubes)

I wish my 120 day BofA late was falling off.  It will be 3 years old in August.
 
My only remaining CC balance will be below 30% util and below 10% by May and then once I can pay my truck off I can go after a new car loan by December.
1/25/2021: FICO 850 EQ 848 TU 847 EX
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