Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
Re: Equifax FICO and Equifax Score

The credit scores purchased directly from TU, EXP, and EQ via website are called credit PLUS or FAKO scores. They are not a reflection of your true FICO scores (the scores lenders use). The FAKO scores are typically higher than your true score. There is no point in purchasing those scores as it does not give you a true picture of how lenders view you as a buyer. They even list it on their website in tiny tiny writing that the scores they sell are not the scores lenders use to determine your credit worthiness.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)