Which FAKO monitoring service is most accurate?????

[I_SUFFER_FROM_FICO_ENVY]

Long time ago, I used USAA Credit monitoring.  But, was wondering if people here know which site is closest to actual FICO scores.  I know longer use these sites and dont really care to in the future.  Just curious as to which site developed an algorithm very similar to FICO.

[namvet]

IME none are accurate but you asked about most accurate so for me it would be credit sesame for experian.  I've used all the monitoring services but i prefer USAA but not for the scores.  A Fico score is a Fico and a Fako score is a Fako.  In the rare event that is need a real credit score i will buy it here at myfico.com.  

[masscredit]

I don't have my real EX FICO score but  I also feel that Credit Sesame is faily accurate. Or maybe I'd be surprized if I got my real score. My TU through Walmart hasn't updated yet but the EX score that I received from CS is pretty much in the range of my last Walmart and receive EQ score that I received here this week.

[roastbeans]

Credit.com is the most accurate IMHO,but their update process is painfully slow.Credit karma think, is the best if you want detailed/up to date info on your report.

[masscredit]

Credit Karma is very detailed for my accounts. It updates every Thursday morning. The score isn't to accurate but the accounts are on the money for the current reporting. It seems like we can take a little from one and a little from another to put together a decent picture of how our credit looks. 

[Steelersboy]

credit sesame experian report

[thom02099]

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@I_SUFFER_FROM_FICO_ENVY wrote:

Long time ago, I used USAA Credit monitoring.  But, was wondering if people here know which site is closest to actual FICO scores.  I know longer use these sites and dont really care to in the future.  Just curious as to which site developed an algorithm very similar to FICO.

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CreditSecure from AMEX.  Most closely matches my FICO scores across the board. 

[mongstradamus]

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@I_SUFFER_FROM_FICO_ENVY wrote:

Long time ago, I used USAA Credit monitoring.  But, was wondering if people here know which site is closest to actual FICO scores.  I know longer use these sites and dont really care to in the future.  Just curious as to which site developed an algorithm very similar to FICO.

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For me it seems like fako scores are all over the place USAA and credit sesame fako experian scores seem to be an bit higher than my official myfico experian score, they differ by about 60 points or so. Credit karma is actually probably the closest. Its about 10 points different from myTU fico from walmart.