Posts: 12,952
Registered: ‎04-15-2011
Re: Improving credit score

That's a good question, albeit a very complicated one.  I will try to do my best to explain my take on this matter.  First off, the scores you get from myFICO are FICO scores.  They have one for EQ and for TU.  They don't have one for EX.  A couple of years ago EX stopped making their FICO scores available to the public, and yes, that even includes the scores they sell on their own website.  The EX score you get from any site will be a FAKO and could have no correlation to your actual FICO score.  The only way to get your EX score is through a lender pull or if you belong to a certain CU in Pennsylvania.  My suggestion to you, don't buy the product from their site.  You can get a free EX FAKO score from  Hope this clears it up for you!

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!