Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
Huge Fako score improvement CS

     My credit sesame fako made a huge jump to 689. I know it is fake, but what would have caused this. I haven't updated my profile or anything so it must have gotta some new data from somewhere. I am almost intrigued enough to purchase a FICO score,,,, almost..:smileyhappy:

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
Re: Huge Fako score improvement CS

Get a free trial of Score Watch if you haven't done so already. That will get you your EQ score.


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Senior Contributor
lg8302ch
Posts: 3,116
Registered: ‎11-13-2012
Re: Huge Fako score improvement CS
[ Edited ]

Even though it is FAKO only I like CS because it is only 5 points difference from my real FICO EQ here. I did compare DEC12 to MAR13 on a monthly basis and it acts in my case the same way as FICO EQ and never was more than 5 - 7 points off when comparing FICO/FAKO. Maybe a coincidence?  Quizzle also works pretty reliable for me in score behaviour but not in numbers (about 50 points lower). A complete nightmare is CK (100 points lower and not in same category anymore)  When FICO goes up CK goes down and the other way around. But CS works for me really well and gets me my score very close to MyFico.

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
Re: Huge Fako score improvement CS

Up until now CS had me ineligible for a score due to not enough information. My Walmart TU score is 520, and my Chase Freedom rejection letter had my Chase fako score at 602.... CK has me at 647 and CS had my score at 689... Im choosing to believe my Walmart TU08 score. I should be eligible for a DCU EQ free FICO score in the next week. I have been working on getting stuff removed and I am hopeful something came off my report and thats why it has jumped. My CS fako score is 689,,, thats a little different from 520..

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
Re: Huge Fako score improvement CS
[ Edited ]

 


lg8302ch wrote:

Even though it is FAKO only I like CS because it is only 5 points difference from my real FICO EQ here. I did compare DEC12 to MAR13 on a monthly basis and it acts in my case the same way as FICO EQ and never was more than 5 - 7 points off when comparing FICO/FAKO. Maybe a coincidence?  Quizzle also works pretty reliable for me in score behaviour but not in numbers (about 50 points lower). A complete nightmare is CK (100 points lower and not in same category anymore)  When FICO goes up CK goes down and the other way around. But CS works for me really well and gets me my score very close to MyFico.


CS monitors EX and you're comparing it to your EQ. Apples to Oranges^2.


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Senior Contributor
lg8302ch
Posts: 3,116
Registered: ‎11-13-2012
Re: Huge Fako score improvement CS

Simply827 wrote:

 


lg8302ch wrote:

Even though it is FAKO only I like CS because it is only 5 points difference from my real FICO EQ here. I did compare DEC12 to MAR13 on a monthly basis and it acts in my case the same way as FICO EQ and never was more than 5 - 7 points off when comparing FICO/FAKO. Maybe a coincidence?  Quizzle also works pretty reliable for me in score behaviour but not in numbers (about 50 points lower). A complete nightmare is CK (100 points lower and not in same category anymore)  When FICO goes up CK goes down and the other way around. But CS works for me really well and gets me my score very close to MyFico.


CS monitors EX and you're comparing it to your EQ. Apples to Oranges^2.


yep...but CS is the closet for me to EQ Fico here. EX Fico is highest for me and above CS FAKO.

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *