topic Re: EX FAKO is weird in Understanding FICO® Scoring

EX FAKO is weird

bichonmom — Wed, 15 Jun 2011 03:54:18 GMT

Okay, I know that FAKOs aren't FICOs, but I can't get my EX FICO, so I'm making due w/the FAKO. I'm getting it from freecreditscore.com, which is EX's CMS.

So, after disputing and much hard work, I finally got a collection off of my EX rept. It was only $30, but it was showing a date from 2010, so the dating was recent. I was so relieved when I got the email that this had been removed, but when I checked my EX score this evening, it didn't change at all. I intentionally got a NEW EX rept (the service includes a daily pull if you want). Previously, when I have pulled a new rept., the score has changed. Not every time, but if something happened on the rept., then the score changed. This time, zip.

I am at a total loss. I'm consoling myself by telling myself that it's possible that my FICO changed even though the FAKO didn't, but really I don't know that. Can anyone offer any help or suggestions here?

Thanks!

Re: EX FAKO is weird

MarineVietVet — Wed, 15 Jun 2011 04:07:39 GMT

@bichonmom wrote:
Okay, I know that FAKOs aren't FICOs, but I can't get my EX FICO, so I'm making due w/the FAKO. I'm getting it from freecreditscore.com, which is EX's CMS.

So, after disputing and much hard work, I finally got a collection off of my EX rept. It was only $30, but it was showing a date from 2010, so the dating was recent. I was so relieved when I got the email that this had been removed, but when I checked my EX score this evening, it didn't change at all. I intentionally got a NEW EX rept (the service includes a daily pull if you want). Previously, when I have pulled a new rept., the score has changed. Not every time, but if something happened on the rept., then the score changed. This time, zip.

I am at a total loss. I'm consoling myself by telling myself that it's possible that my FICO changed even though the FAKO didn't, but really I don't know that. Can anyone offer any help or suggestions here?

Thanks!

Since at this time you don't have access to your EX FICO then don't worry about what you have no power over. That's what I did before I found out I could get my EX FICO from a LO at my local CU. Until then I was quite content with just knowing my TU and EQ scores. I was never concerned about my EX because the other two scores were just fine.

Just my 2 cents.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: EX FAKO is weird

llecs — Wed, 15 Jun 2011 04:09:15 GMT

Because it wasn't high tide or perhaps it wasn't a month that ended in "y".

All the more reason to ignore it. It's always possible they don't update the score daily, but who knows. BTW, I once had a CA get deleted. My FICO increased 58 and my FAKO dropped 8. Go figure.

Re: EX FAKO is weird

bichonmom — Wed, 15 Jun 2011 04:56:07 GMT

Thank you for your replies. I can just hope that my FICO did go up...

I asked my local CU (who pulls EX) if they could pull a soft EX for me so I could get an updated score, and they said that they could ONLY do hard pulls. I don't think that's true, unless there's some sort of agreement w/EX or something. It's SO frustrating. Hopefully EX will make FICO avail again soon!

Re: EX FAKO is weird

MarineVietVet — Wed, 15 Jun 2011 05:02:11 GMT

@bichonmom wrote:
Thank you for your replies. I can just hope that my FICO did go up...

I asked my local CU (who pulls EX) if they could pull a soft EX for me so I could get an updated score, and they said that they could ONLY do hard pulls. I don't think that's true, unless there's some sort of agreement w/EX or something. It's SO frustrating. Hopefully EX will make FICO avail again soon!

I don't recall what your inquiry situation is like but it might be worth a hard to find out. I didn't ask my LO whether it would be hard or not because I didn't care. In my mind one hard pull a year (which is how often I will ask her) is worth knowing my EX FICO.

Re: EX FAKO is weird

bichonmom — Wed, 15 Jun 2011 05:11:22 GMT

My EX has the most inquiries, so for now I'll just let it go and hope my score increased. In any case, it is a relief to have the inaccurate item removed.

Re: EX FAKO is weird

MarineVietVet — Wed, 15 Jun 2011 05:25:40 GMT

@bichonmom wrote:
My EX has the most inquiries, so for now I'll just let it go and hope my score increased. In any case, it is a relief to have the inaccurate item removed.
+1

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: EX FAKO is weird

GregB — Wed, 15 Jun 2011 15:11:29 GMT

EX is great for the fast updates. The Plus Score is a joke. This morning, my revolving updated the CC balances that just closed and my revolving went down $9300. Just for laughes I looked at the score - no change still 747. We will see what Scorepower showes after EQ finally updates.