jmoney23 wrote:If I bought my score directly from Transunion, it's a FAKO, correct? That's so weird. You'd think people would use the models more from the CBAs than the FICO, which is just MYFIco.com, correct?
And btw, the collection was deleted from my report. Yay! I received a letter today.
Yes, that is correct ~ TU and EX have both stopped selling FICO scores directly to consumers. However Equifax will still sell you a FICO score. The CRAs make a lot more money from selling their own FAKO scores, so they market them rather than FICO scores.
Congats on getting the collection deleted, that's great !! 
