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CreditBob -i'm ok with the 679 FICO, a year ago it WAS around 600.What surprises me is the discrepancy between FICO & FAKO. I knew there was a difference but I thought the FAKOs were usually higher. mine are much lower.I had to buy the FICO today after seeing the FAKOs, geez, this is getting expensive.memo to self- no more FICOs till SEPHas anyone deciphered a correlation between FAKOs & FICOs?