cancel
Showing results for 
Search instead for 
Did you mean: 

FICO vs. FAKO – Share your FAKO stories

tag
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

FAKO TU -- 696.  FICO - 600.  FAKO has consistently been 70-100 points higher than FICO.

Message 201 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

I'm still a little perplexed by this one:

 

VantageScore 3.0

CK TransUnion: 643 (5/5/17)

CK Equifax: 674 (5/1/17)

Credit.com Experian: 690 (5/5/17)

 

FICO Score 8 

MF TransUnion:  742 (4/30/17)

MF Equifax: 725 (5/4/17)

MF Experian: 658 (4/28/17)

 

Delta

TU FICO 99 points HIGHER than Vantage

EQ FICO 51 points HIGER than Vantage

EX FICO 32 points LOWER than Vantage

Average delta 60 points.

Message 202 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

My VS 3.0s are 744 across the board vs FICO 8s at 705 across the board.

 

I believe this is because VS are higher for lower AAoAs, since they begin to populate at only 1 month of history, whereas FICO requires 6.

Message 203 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories


@Anonymous wrote:

My VS 3.0s are 744 across the board vs FICO 8s at 705 across the board.

 

I believe this is because VS are higher for lower AAoAs, since they begin to populate at only 1 month of history, whereas FICO requires 6.


This may help explain why my own VS scores are significantly higher than my FICO scores; I hadn't known this before.

Message 204 of 338
NRB525
Super Contributor

Re: FICO vs. FAKO – Share your FAKO stories

July 2015, Venture app. Reasons code letter sent by Capital One

MyFICO scores at the time: EQ 756 TU 775 EX 765

Vantage score on the Reasons Letter EX 712

 

Venture card $30k instapproval.

 

Since the original post in this thread was "impacted by FAKO scores" I guess my takeaway is that the scoring models are all applied within the scoring range, the bell curve, of that scoring model. Works as expected.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 205 of 338
QuikZilver
New Member

Re: FICO vs. FAKO – Share your FAKO stories

I had a 501 and 495 score on credit karma back in OCT 2016. Fast forward to today I've removed all the late payments from my credit, got a secured credit card, got added as an authorized user on my wife's perfect credit history CC. And it jumped to 676 and 678.  I still got a $788 debt with Midland that is posted as public record and on collections.

 

Now I sign up to myfico on May 5, and got scores of 578, 601, and 617.  Not much has changed hopefully I can get that TransUnion to go up a little.  What are the chances I get a huge jump like the CK report?

 

 

Message 206 of 338
Thomas_Thumb
Senior Contributor

Re: FICO vs. FAKO – Share your FAKO stories


@PrinceCorwin wrote:

I was under the assumption that your FICO was generally lower than your CK FAKO. My FICO scores are actually higher across the board. Anyone else have this experience


My Fico 8 scores are always higher than my VantageScore 3.0 across the board. However, my Fico 04 scores are almost always lower than my VantageScore 3.0. 

 

The score offsets among models are hugely dependent on composition of accounts within individual profiles and account status. 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 207 of 338
reedydr
New Member

Re: FICO vs. FAKO – Share your FAKO stories

still dont understand the difference between Equifax.com, myfico, and equifax fico,  Myfico is 691, equifax.com 568 and eqifax fico 621....what am I missing here

Message 208 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

My Fakos are consistantly about 50 points lower than Fico across the board.

Message 209 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

So is paying for myFICO.com my real fico scores?

Message 210 of 338
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.