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FICO vs. FAKO – Share your FAKO stories

Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Well I think I am in the right place. I subscribed $4.99 at Experian.com to get my scores. It said "true Fico 8 scores" but I was just told that they are fako so I'm lost
Starting Score: 1/24/2018 491 across the board
Current Score: 2/5/2018 EX 601 TU 551 EQ 520
Goal Score: ex 620 tu 580 eq 540 ....new current scores 2/18 Ex 631 ex 631 tu 623....2/21/18 Tu 623 Ex 658 Eq 639


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Message 111 of 116
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories


@wrote:

My EQ score provided by my EQ subscription has also become equal to the EQ score provided by myFico,  but I’ve never been sure that the score provided by EQ is truly a V3 score.

 

My TU scores provided on CK and TU subscription have always been identical, but the EQ subscription score has always been about 60 points less than the CK EQ score. And EQ has never been the same as the EQ on myFico, until last Oct. The two have been identical since.

 

Is it possible that EQ has begun providing FICO instead of whatever it was they were using previously?


Equifax provides a credit score based on their own internal model. They also offer a Classic Fico 04 score "mortgage score" called Scorepower. They don't provide VantageScore.

 

Their model's reported score range is 280 - 850. Example (from 2015) pasted below.

EQ credit score 2015.jpg

 

 

 

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 112 of 116
Member

Re: FICO vs. FAKO – Share your FAKO stories

TU FICO (free from Discover) - 707

 

TU Vantage 3.0 (free from CreditKarma) - 681

 

Interesting that the FICO score came out higher.

Message 113 of 116
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

Fico 8 Transunion on Bank of America credit card window. 

Message 114 of 116
Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

To Newbie2018,

 

EX gives true FICO scores. TU gives Vantage 3. EQ gives whatever it is that they give, their own score. Not sure why EQ provides a one-off score.

Message 115 of 116
New Member

Re: FICO vs. FAKO – Share your FAKO stories

I've signed up to several Fako services: Credit Karma, Credit Sesame, Nerd Wallet, etc.  They've all recorded my scores at 657 this month, but today, CK posted a rise to my EQ score to 659.  My EX score as provided by my credit union, however, is 707.  Not exactly apples to apples, but it's a ballpark comparison. 

Starting Score: 701
Current Score: 707
Goal Score: 800


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Message 116 of 116