Can someone really answer this?

Anonymous — Tue, 24 Aug 2010 18:38:12 GMT

I was using a worthless monitoring company and saw my scores in the mid 500's. I was really upset as I had thought they were closer to 700.

I realized these were Vantage scores but thought they would be higher than the true FICO.

I ordered my Equifax online with score and it is 617 based on the Equifax Risk Score ranges of 280-850.

My Beacon 5.0 previously (1.5 years ago) was 692. I know this is awhile ago...but nothing has been deliquent since...all good.

My Equifax FAKO from the monitoring company was 565 and a few days ago jumped to 679 with no difference in the report.

What can I expect the score difference to be using a recent Beacon 5.0 Score range of 300-850 vs. the Equifax Risk Score ranges of 280-850.

Transunion:

FAKO - 550

FICO from Transunioncs dot com - 678

Experian:

FAKO - 534

Not sure where to go for a FICO other than my bank. The score model says 700-750.

Re: Can someone really answer this?

MarineVietVet — Tue, 24 Aug 2010 18:58:15 GMT

@Anonymous wrote:
I was using a worthless monitoring company and saw my scores in the mid 500's. I was really upset as I had thought they were closer to 700.

I realized these were Vantage scores but thought they would be higher than the true FICO.
I ordered my Equifax online with score and it is 617 based on the Equifax Risk Score ranges of 280-850.
My Beacon 5.0 previously (1.5 years ago) was 692. I know this is awhile ago...but nothing has been deliquent since...all good.
My Equifax FAKO from the monitoring company was 565 and a few days ago jumped to 679 with no difference in the report.

What can I expect the score difference to be using a recent Beacon 5.0 Score range of 300-850 vs. the Equifax Risk Score ranges of 280-850.

Transunion:
FAKO - 550
FICO from Transunioncs dot com - 678

Experian:
FAKO - 534
Not sure where to go for a FICO other than my bank. The score model says 700-750.

Hello and welcome to the forums.

No FAKO score from any source can be accurately compared to a FICO score. That EQ Risk Score seems to be the latest FAKO being offered.

You can only buy true FICO scores at a few places. One place is here at myFICO. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Transunion score at www.transunioncs.com (which you did). I've been told that you can still buy a EQ FICO at www.equifax.com but I can't find how to do it.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

topic Re: Can someone really answer this? in Understanding FICO® Scoring

Can someone really answer this?

Re: Can someone really answer this?