VantageScore is a competing model. The "FAKOs" are scores only sold to consumers, not lenders. The VantageScore isn't such a score.

But you can get TU VantageScore free from CreditKarma. It's interesting, and certainly not useless. 

Also, the people who say the scores have no relation to FICO are wrong. They're all meant to predict risk. IF they're all good at that, then even if they're using totally different data, they should be highly correlated. Otherwise, they're not reliable measures of risk.

Capital One Cash Rewards Visa - $7,500; Discover More - $1,500; American Express Costco TrueEarnings - $15,600; Citi Forward - $5,800 and $4,500;