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the diference in my scores is about 10 to 20 points, in example TU & EQ in credit karma is 713 & 716, but on fico is 702 & 698
08/27/2016 TU: 702, EQ: 689, EX: 713
BP VISA ($300), Amex Everyday Card ($1,800), Discover It Chrome Students ($500)
Hello so on March 31 2016 i applied for my 1st credit card ever and was told by my credit union my score was 0. the first time i financed something was in 2007 and the last time i financed a truck and finished paying in 2014. no active accounts for 2 years got me back to 0. so anyway my credit union gave me an unsecured credit card with 500 limit and while anxiously waiting 6 months for my fico scores my FAKO scores were as of august 31 2016 TU-691 EX-630 and EQ 690. On september 1st i finally got my 3b Fico Scores and reports and was dissappointed with the results TU-600 EQ-699 and EX 612. btw i did get approved for a Capital One mastercard with 300 limit in late june. only my EQ score was pretty dam close to the fako score by 9 points but TU 99point difference. just wanted to share this
My fico vs fako
CK
TU 723
EQ 724
MYFICO
TU 723
EQ 576
No typo, huge difference in the EQ, nearly 150 points ! Beware !
Huge difference in EQ !!!
Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter. Nothing negative on TU but EX & EQ show a 6.5 collections. Now I have 13 cards. I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630. This is down from upper 600's. However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691. Which am I to believe? My inquiries, new accounts and AAOA are all negatively impacting my score.
@Anonymous wrote:Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter. Nothing negative on TU but EX & EQ show a 6.5 collections. Now I have 13 cards. I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630. This is down from upper 600's. However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691. Which am I to believe? My inquiries, new accounts and AAOA are all negatively impacting my score.
Cap One and CK are FAKO's for sure. Trust the FICO scores...take care.
FAKO:
Discover Scorecard - 786 EX
Credit Karma - 771 TU
Credit Karma - 750 EQ
PenFed NG2 - 848
FICO 8 - 764 EX
- 758 TU
- 767 EQ
FICO 9 - 770 EX
- 761 TU
- 759 EQ
It's all game.