topic Re: Which FAKO seems to be the closest to FICO scores? in General Credit Topics

Which FAKO seems to be the closest to FICO scores?

pattycake — Thu, 13 Dec 2007 14:57:42 GMT

I still have TC - their FAKO for TU is almost identical to my FICO TU score.

I've looked at the scores that Citicards provides, they are close on EX, but off about 30 points on TU and 20 on EQ.

Re: Which FAKO seems to be the closest to FICO scores?

Anonymous — Thu, 13 Dec 2007 15:07:37 GMT

I used the Citi's Identity Monitor for a little bit-the EX score and my FICO EX were the same. With TC, sometimes my EX score was the same, sometimes it was my TU score.

Re: Which FAKO seems to be the closest to FICO scores?

Anonymous — Thu, 13 Dec 2007 21:08:29 GMT

none of them - they're all off the wall. Not even close. Even TC is anywhere from 67 to 109 points off.

Re: Which FAKO seems to be the closest to FICO scores?

haulingthescoreup — Sat, 15 Dec 2007 02:40:26 GMT

Every now and then, one FAKO score or another seems to match a FICO, but it's pretty much coincidence. There's not enough consistency to rely on any particular one, in my experience.

In addition, since the FAKO formulas are different from the FICO formula, their scores will sometimes go up at the same time the FICO's go down, and vice versa. So they are rewarding you for things that hurt your FICO's, and they are punishing you for things that will help your FICO's.

Re: Which FAKO seems to be the closest to FICO scores?

fused — Sat, 15 Dec 2007 02:44:23 GMT

None for me!

Message Edited by fused on 12-14-2007 04:44 PM

Re: Which FAKO seems to be the closest to FICO scores?

Anonymous — Sat, 15 Dec 2007 06:11:41 GMT

My Privacyguard scores are off just 2 r 3 points on all 3 of my fico scores