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FICO vs. FAKO – Share your FAKO stories

Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories


CAPTOOL wrote:

As of today:

 

Vantage 3.0

TU - 800

EQ - 795

EX - 793

 

Fico 8

TU - 779

EQ - 754

EX - 780


CAPTOOL, looks like your Fico scores are in decline. I thought one or two of your Fico 08s made it over 800 a couple months back.

 

More new credit?

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)
Senior Contributor

Re: FICO vs. FAKO – Share your FAKO stories


Thomas_Thumb wrote:

CAPTOOL wrote:

As of today:

 

Vantage 3.0

TU - 800

EQ - 795

EX - 793

 

Fico 8

TU - 779

EQ - 754

EX - 780


CAPTOOL, looks like your Fico scores are in decline. I thought one or two of your Fico 08s made it over 800 a couple months back.

 

More new credit?


Low balance installment loan paid. When it reported closed, my Fico scores dropped 33 points.


Gardening until tomorrow.
Established Contributor

Re: FICO vs. FAKO – Share your FAKO stories

These are my scores for July 2016.  My reports are finally clean.

 

Equifax Complete Premier Plan

 

EQ=730,  TU=722,  EX=726

 

Credit Karma Vantage 3.0 scores

 

EQ=752,  TU=754

 

CCT(Credit Check Total) FICO 8 scores

 

EQ=770,  TU=767,  EX=777

 

 

I like the Equifax plan as I can see when NFCU does their SP during their AR period.

 

I like Credit Karma for the alerts they give.

 

I like CCT to get my monthly FICO 8 scores.

 

I like my FICO 3B reports to get all of my scores.  I won't get my next report until next month.

 

 

Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

I'm new to MyFico:

 

Here are my Credit Karma numbers:

 

TU: 724

EQ: 719

 

My Fico 8 scores:

 

TU:743

EQ:715

EX:762

 

Equifax numbers are pretty close, but TransUnion is way different.

Starting FICO 8's (7/2016) EQ 715|| TU 743 || EX 762
Current FICO 8's (9/2017) EQ 755|| TU 768|| EX 775
Goal FICO 8's: 780 across the board
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

I thought this was amusing so I'm sharing. I've been trying hard to get my scores up. Started off in the high 600s a few months ago.

 

Here are my Credit Karma numbers today which I think are comical:

 

TU: 812

EQ: 807

 

My Fico 8 scores:

 

TU:739

EQ:735

EX:731

 

Credit Check Total:

 

EX: 731

 

They went up on Credit Karma 61 and 70 points respectively today. So not even close. They were tracking closely for a while. I have no idea what to look for on Credit Karma to understand why they think the Vantage scores are that high.

USAA Rewards Visa $13,800 || Citi Simplicity MC $5,800 || Brand Source $6,000 || SyncB / Discount Tire $2,200 || Chase United Explorer $5,000
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

Vantage 3.0:

TU - 589

EQ - 607

 

Equivaliency score

EX - 701

 

Fico 8

TU - 691

EQ - 717

EX - 653

 

12/15 - EQ - 510, TU - 496, EX - 505
10/17 - EQ - 634, TU - 638, EX - 641

Chase Saphire Preferred $5,000|Chase Freedom $4,000|DiscoverIT $2,100|Cap Quicksilver $1,600|Citi Double Cash $1,200| Secured Cap Platinum $500 | Amazon Prime Store Card $3500


Contributor

Re: FICO vs. FAKO – Share your FAKO stories

My Amex just reported to equifax  for the first time today. With that my scores on two sites are wildly different

 

Last Month:

Fico 8:   721

Vantage 3.0: 757

 

Ths month:

Fico 8: 760

Vantage 3.0: 682

 

My Fico as reported by myfico went up 39 points while credt karma reports a 75 point drop. Crazy.

Established Member

Re: FICO vs. FAKO – Share your FAKO stories

My credit karma scores tanked 88 points and 70 something points when the new cards reported. Yet my fico went up from eq 674 to 717 and tu 650 something to 691! I don't know why the vantage tanked. Luckily no one uses it for anything.

12/15 - EQ - 510, TU - 496, EX - 505
10/17 - EQ - 634, TU - 638, EX - 641

Chase Saphire Preferred $5,000|Chase Freedom $4,000|DiscoverIT $2,100|Cap Quicksilver $1,600|Citi Double Cash $1,200| Secured Cap Platinum $500 | Amazon Prime Store Card $3500


Contributor

Re: FICO vs. FAKO – Share your FAKO stories

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)


Starting Score: EX: 713 EQ: 698
Current Score: TU: 743 EQ: 752 EX: 747
Goal Score: 775





New Member

Re: FICO vs. FAKO – Share your FAKO stories

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