So I pulled my CK Fako yesterday. Wham! excellent credit and 759. But you can't get excited about that as WalMart has my TU score at 632 and USAA TU at 638. Usually the difference is only 20 or 30 points. More than 100 is pretty wild.
Good thing I don't actually PAY for this score. 
@coterotie wrote:So I pulled my CK Fako yesterday. Wham! excellent credit and 759. But you can't get excited about that as WalMart has my TU score at 632 and USAA TU at 638. Usually the difference is only 20 or 30 points. More than 100 is pretty wild.
Good thing I don't actually PAY for this score.
Yep, they can sometimes be waaaayy off from FICO scores ~ hence it's best to ignore FAKOs and focus on the information on your reports.
@pizzadude wrote:
@coterotie wrote:So I pulled my CK Fako yesterday. Wham! excellent credit and 759. But you can't get excited about that as WalMart has my TU score at 632 and USAA TU at 638. Usually the difference is only 20 or 30 points. More than 100 is pretty wild.
Good thing I don't actually PAY for this score.
Yep, they can sometimes be waaaayy off from FICO scores ~ hence it's best to ignore FAKOs and focus on the information on your reports.
But you should still be able to compare the FAKO score to previous ones and try to guage what changes there have been to warrant the score change. Consider it an educational score. With enough pulls you may be able to discerne their scoring algorithm to some extent.
Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Just for giggles updated my wife's CK. While mine is 120 points higher, hers is 75 points lower. A CK of 610 vs. a myFico of 685.
Can't make this stuff up (although it appears the CR agencies and the other hangers on do). 
@user5387 wrote:If you compare a FAKO to itself month by month, you should be able to detect big-ticket changes like a major new derogatory.
Beyond that, it might be difficult. For example, if your FAKO goes down 10 points based on some event, that's not the same as saying that FICO scoring would judge the event with the same magnitude, or even in the same direction.
@user5387 wrote:If you compare a FAKO to itself month by month, you should be able to detect big-ticket changes like a major new derogatory.
Beyond that, it might be difficult. For example, if your FAKO goes down 10 points based on some event, that's not the same as saying that FICO scoring would judge the event with the same magnitude, or even in the same direction.
Unfortunately given the implementation of some of them it's hard to discern. My silly IRS tax lien hammered my TU and EX '08 scores, moved EQ '04 by 4-5 points, and my CK TU new accounts score and whatever CS uses, had large jumps upward: presumably from inquiries fading and my hitting a 1 year boundary on all of my tradelines and 2 years on my initial accounts and that overweighing the additional public record being added (EX/TU both have 3 now) but it's definitely not tracking closely to FICO. Both monitoring services tracked the public record being added prior to the score updating so it wasn't a reporting delay.
It's a pointless exercise in my opinion to try to derive any value out of FAKO's: if they're never going to be used by a lender, frankly it's a waste of my time .
My fico is 660 due to high utilization.Working on paying it down. One of my fakos is 570.