Valued Member
softballgirl29
Posts: 27
Registered: ‎08-26-2012
Difference in FICO score and Score Watch score????

‎12-20-2012 10:06 AM

After pulling my CR's again today and opting to also receive my three scores I noticed that my scores that accompanied my credit report were significantly higher (a little over 40 points higher) than my score watch score here on My Fico. Does anyone know why they would be different?

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 581 Latest TU Fico - 607 Latest EXP FAKO - 612
In my wallet: Cap One CL 250, Cap One Rewards CL 500, Credit One CL 400, Express Next CL 250, Victoria Secret CL 250. Also, reaffirmed Auto Loan with Chase which will be paid in full 4/2013
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Regular Contributor
Comet21
Posts: 187
Registered: ‎08-29-2007
Re: Difference in FICO score and Score Watch score????

‎12-20-2012 12:10 PM

They were most likely not FICO scores becuase you cannot purchase EX FICO. The scores you obtained use a different scoring method and thus results in different scores

Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: TU 662 EQ 652 7/2/2012 EQ Auto 692 8/25/2012
Goal Score: 700

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Valued Member
softballgirl29
Posts: 27
Registered: ‎08-26-2012
Re: Difference in FICO score and Score Watch score????

‎12-20-2012 12:24 PM

That's so confusing since I purchased it with my actual credit reports. You would think that would be the true FICO score :smileysad:

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 581 Latest TU Fico - 607 Latest EXP FAKO - 612
In my wallet: Cap One CL 250, Cap One Rewards CL 500, Credit One CL 400, Express Next CL 250, Victoria Secret CL 250. Also, reaffirmed Auto Loan with Chase which will be paid in full 4/2013
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Regular Contributor
Comet21
Posts: 187
Registered: ‎08-29-2007
Re: Difference in FICO score and Score Watch score????

‎12-20-2012 12:39 PM

Don't feel bad, we have all purchased "FAKO" scores before. You are on this site now, and there is a ton of information available. Look at the bright side, your reports were real and you know where you stand as far as the information on the reports and you can clean them up.

Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: TU 662 EQ 652 7/2/2012 EQ Auto 692 8/25/2012
Goal Score: 700

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mustang03
New Member
mustang03
Posts: 10
Registered: ‎01-24-2013
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 07:52 AM

I had a creditor pull my credit for a refinance and they said my equifax FICO score was  47 points higher than my scorewatch was showing.........  i verified that what they had was FICO provided to them.

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Established Contributor
starry1
Posts: 1,008
Registered: ‎11-29-2012
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 09:26 AM

That would have been a auto-enhanced fico.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 05/19/13 TU 600; EQ 625; EX 610 fako
Goal Score:  625 for now– New goal 675

Cap1 sec $250 / FP $300 / Fingerhut $300/ NFCU nRewards $500 (last app 3/11/13)
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mustang03
New Member
mustang03
Posts: 10
Registered: ‎01-24-2013
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 09:31 AM

what does that mean? 

If I go to Equifax's site and purchase a score, will that be the same as on here?

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Established Contributor
starry1
Posts: 1,008
Registered: ‎11-29-2012
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 10:43 AM

No, Equifax sells a fako on their site. I have no idea what auto-enhanced means. Its an actual fico, its just "enhanced" for car loan purposes only. There's also credit card enhanced scores, still just a different formula to determine cc risk, and still a real fico.
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 05/19/13 TU 600; EQ 625; EX 610 fako
Goal Score:  625 for now– New goal 675

Cap1 sec $250 / FP $300 / Fingerhut $300/ NFCU nRewards $500 (last app 3/11/13)
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mustang03
New Member
mustang03
Posts: 10
Registered: ‎01-24-2013
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 10:58 AM

Myfico should offer those enhanced scores in their score power along with what they currently have.  They could offer us a score for each model that exists.  That way if I was looking to get a home loan, I would know what my mortgage fico was..........

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Regular Contributor
Comet21
Posts: 187
Registered: ‎08-29-2007
Re: Difference in FICO score and Score Watch score????

‎01-24-2013 11:42 AM

I thought the dealership was wrong in August when I purchased my car. I had an almost 700 EQ just 3months after discharge.

Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: TU 662 EQ 652 7/2/2012 EQ Auto 692 8/25/2012
Goal Score: 700

Take the FICO Fitness Challenge
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