06-07-2013 06:52 AM
So I know that scores Credit Karma and Credit Sesame are FAKO, which don't really mean anything in terms of your FICO. But I'm wondering if people have seen trends where FAKOs are typically lower than FICOs on those sites. Or are they typically higher? From a business standpoint, I would guess that they would show FAKOs as lower than your actual scores in order make you think you might need to buy services like credit monitoring or something. Again, I know the scores don't really mean anything on those sites, but I'm just curious if anyone knows about the trends.
06-07-2013 09:52 AM
They are all over the place, sometimes higher than FICO, sometimes lower. They are not a good reference at all if you are trying to track your FICO score.