Valued Contributor
Mike_B03
Posts: 1,141
Registered: ‎11-30-2012
How accurate is Experian FAKO score to real FICO score?

I pulled a credit report and score today from Experian.com (which is a FAKO score) and it's pretty bad, 597. I had a mortgage company pull my credit score on 11/14/12 and for Experian, I had a 642 (which is being used as the middle score for the loan).

 

I'm praying that my score didn't drop 45 points in the past month because I see no reason for it to drop off. I actually had a lot of bad accounts age off since that report, a total of 8 actually. 

 

So how accurate is the Experian FAKO score vs a real FICO score?

Valued Contributor
p-
Posts: 2,539
Registered: ‎06-05-2008
Re: How accurate is Experian FAKO score to real FICO score?

Mike_B03 wrote:

I pulled a credit report and score today from Experian.com (which is a FAKO score) and it's pretty bad, 597. I had a mortgage company pull my credit score on 11/14/12 and for Experian, I had a 642 (which is being used as the middle score for the loan).

 

I'm praying that my score didn't drop 45 points in the past month because I see no reason for it to drop off. I actually had a lot of bad accounts age off since that report, a total of 8 actually. 

 

So how accurate is the Experian FAKO score vs a real FICO score?


They do not correlate.  They could be exactly the same or a hundred off.  Search the forums here for ways to get an EXP fico - 

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012
Re: How accurate is Experian FAKO score to real FICO score?

FAKO's are not accurate. If accurate they would've been FICO scores.