topic Re: FICO Score and Credit Score? in Understanding FICO® Scoring

FICO Score and Credit Score?

Anonymous — Sat, 23 Aug 2014 02:02:43 GMT

I wanted to check my score, went to www.annualcreditreport.com to check my report and got my score through Experian. The report I got, states my "CREDIT SCORE" is 742. Is that considered a FICO Score? Or a FAKO Score, a term I see get thrown around here. If the score I got is accurate, is 742 a good score?

Re: FICO Score and Credit Score?

fused — Sat, 23 Aug 2014 02:09:19 GMT

@Anonymous wrote:
I wanted to check my score, went to www.annualcreditreport.com to check my report and got my score through Experian. The report I got, states my "CREDIT SCORE" is 742. Is that considered a FICO Score? Or a FAKO Score, a term I see get thrown around here. If the score I got is accurate, is 742 a good score?

Welcome to the forums!

That 742 score from EX is a FAKO. If your EX FICO score happened to be 742, it would be a very nice score.

Re: FICO Score and Credit Score?

Anonymous — Sat, 23 Aug 2014 02:11:41 GMT

Where can I get a real FICO Score? That doesn't require me to subscribe to a monthly montioring/payment thing.

Re: FICO Score and Credit Score?

mongstradamus — Sat, 23 Aug 2014 02:19:19 GMT

@Anonymous wrote:
Where can I get a real FICO Score? That doesn't require me to subscribe to a monthly montioring/payment thing.

most of them you have to be members of an CU or have an certain cc. For example TU 08 you can get from barclays, Discover or walmart. They give you score once an month or whenever your score chances in the case of barclays. EQ04 you can get from being an memeber of DCU. EX fico score you can get from having FNBO or being memeber of PSECU. Those are some of the examples out there.

Re: FICO Score and Credit Score?

fused — Sat, 23 Aug 2014 02:20:29 GMT

The scores sold at this site are real FICO scores. You can buy them one time without credit monitoring. They are FICO 08 scores and they are used by many of the big credit card issuers. They aren't the scores mortgage lenders use much. Mortgage lenders are pretty much using FICO 04 scores.

Re: FICO Score and Credit Score?

Anonymous — Sat, 23 Aug 2014 02:25:31 GMT

http://www.myfico.com/Products/FICOOne/ this one right? For $19.95. How far off are the FAKO Score?

Re: FICO Score and Credit Score?

fused — Sat, 23 Aug 2014 02:41:20 GMT

You can choose that one, but it's 19.95 per score and if you buy all three they have to be viewed separately. You can opt for the 3 scores in one report option, this one shows all three scores side-by-side. Here's the link:

FICO Score 3-Report View

If you only want your Experian score, use the link you posted and choose Experian only.

Re: FICO Score and Credit Score?

Jerry45 — Sat, 23 Aug 2014 14:25:19 GMT

You could also join Scorewatch here at this site. $4.95 the first month, and it will give you a Equifax FICO score and credit report.

Re: FICO Score and Credit Score?

Anonymous — Sat, 23 Aug 2014 15:38:07 GMT

Will that will me a real FICO score? That was what I did for the Experian score. Sign up for their watch thing for the same price to get the report and score and than canceled.

Will score watch on this site give me a true score for $4.95?

Re: FICO Score and Credit Score?

fused — Sat, 23 Aug 2014 19:19:32 GMT

@Anonymous wrote:

Will score watch on this site give me a true score for $4.95?

Yes, it will. Score Watch will give you an EQ FICO 08 score and monitor your EQ report for $14.95 a month or $179.40 a year.

Re: FICO Score and Credit Score?

Anonymous — Thu, 09 Oct 2014 10:31:43 GMT

Just wasn't to let everyone know that the score her are not accurate, I had a lender pull my report the other day and every score was at least 60 points off, and lower than reported up here.

Re: FICO Score and Credit Score?

mongstradamus — Thu, 09 Oct 2014 13:47:05 GMT

@Anonymous wrote:
Just wasn't to let everyone know that the score her are not accurate, I had a lender pull my report the other day and every score was at least 60 points off, and lower than reported up here.

just so you know lenders/mortgage usually pull 04 scores and the scores here are 08 scores, that may be part of the reason your scores didn't match up