Established Contributor
InvincibleSummer3
Posts: 640
Registered: ‎11-20-2012
Re: Accuracy of MyFico Scores?

Dyn, who are you talking to? We on the forums don't work for Fair Isaac. Are you looking at FICO scores or FAKO scores?

The score you're seeing for Experian has to be a FAKO, because consumers are not allowed to purchase the actual FICO scores direct from Experian anymore. Most credit monitoring services use non-FICO scores:

 

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

 

The scores from a CMS are less useful, to my mind, than the ability to monitor changes to what is being reported. If you're careful to pay things on time, every time, and to handle collections properly, the score will take care of itself.