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Why is credit.com FAKO so much higher than TU, EQ FICOs?

Regular Contributor

Why is credit.com FAKO so much higher than TU, EQ FICOs?

I just checked credit.com for the first time, and was astounted by the FAKO I saw there. In general, my FAKOs haven't been terribly off from my FICOs (purchased here, last week).

 

I know Experian can't be bought so I can check the FAKO via credit.com. I am having a hard time believing that 660 - 685 FICOs translate into an "excellent" Experian score of 826!


I've been sending out GW letters over the past week, but it's far too soon for any potential GW deletes to be reflecting in my score.

Can anyone shed some light on this amazing discrepancy? 

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!
2 REPLIES
Frequent Contributor

Re: Why is credit.com FAKO so much higher than TU, EQ FICOs?

You cannot compare FAKOs and FICOs, they are completely different scoring models that have nothing to do with one another.  They probably have entirely different ranges and they might be less sensitive to (or completely ignore) certain information in your reports.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Highlighted
Regular Contributor

Re: Why is credit.com FAKO so much higher than TU, EQ FICOs?

Thanks Adalen. It's so odd to me since my other FAKOs are so close to the corresponding FICOs. 

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!