FICO vs. FAKO – Share your FAKO stories

[Anonymous]

I signed up for a month of the MyFico 3B reports. Currently my scores are as they appear in my siggy (from 650s-670s). My FAKO score on CreditKarma's end has been teetering the high 600s, which isn't terribly off I suppose for it being a free service. It reached 700-701 last week, and just last night went up to 746 O_O

Now, I know these are FAKO scores, and I believe quite a bit of individuals say these scores are as reliable as a politician , BUT why would they get such an increase? Like, what would trigger it?

Mind you, the only change on the reports from this last update (my FAKO TU on CreditKarma updates every 7 days) was ONE credit inquiry. An inquiry, not even an added account or auto loan [of which I have]. Weird?

[Anonymous]

Signed up for 2 credit cards over the last couple weeks. According to MyFICO, the hard pulls & new account reported dropped all 3 reports between 5-20 points (from 805, 806, 807 to current scores in signature). According to Credit Karma, the same inquiries & new account raised my scores by 4 points to roghly 810 each. I just got the first card today, a Capital One Quicksilver. And the credit score they gave (with A-F grades for each category) was 724, way lower than either the FICO 8 scores or the ones from Credit Karma.  How confusing!

[Anonymous]

My CK scores are 699TU and 706EQ. Pulled my EX score directly from them and it's only 622. Pulled my TU score (vantage score ugh) and it's 699. EX says it's fico 8 score. I've been on the track of rebuilding from a 545 and multiple delinquincies.

[Anonymous]

Hi there. FAKO scores from CK-TU584/EQ652...CS-TU584...CR.com-687...CreditWise-672....Fico8 today4/5/16 from CCT-TU624/EQ648/EX658....I applied for a loan thru Upstart...their criteria was a score of 640 was needed....i was denied CC back on 2/1/16 and denial letter had TU score at 666. Being I know my TU score is always the lowest...i applied for the loan...i was denied bc my score was reported to them from TU as 621. So im not sure is Cap1 uses a diff model but i can't picture my score being that much diff between the 2.....idk

[JustinA]

Not sure what score it is but Creditone tells me on their website I have a 514...

Myfico says 618..as does CS and CK

[mmark4848]

I signed up for CreditKarma before MyFico.  CK currently shows my Vantage at TU689 and EQ688.  FICOs are TU587 and EQ609.  I wish VS really mattered.

[Anonymous]

There have been times where my scores from credit karma are literally almost 100 points lower than my actual Fico scores. Not kidding

[Anonymous]

Bofa now reports fico scores... and it's says I'm at 712.. not sure if Transunion or not.. but they are using the fico 8 ...I know for sure I'm at a 667 with Transunion. . Credit karma  had me at 695... Tu 

[Anonymous]

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@Anonymous wrote:

Bofa now reports fico scores... and it's says I'm at 712.. not sure if Transunion or not.. but they are using the fico 8 ...I know for sure I'm at a 667 with Transunion. . Credit karma  had me at 695... Tu 

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BoA is TU FICO 8. Credit Karma is VantageScore 3, not FICO.

[Anonymous]

I have posted my experiance on here previously but I have a question. who or what model does cap1 use? I got my fico8 scores from CCT and they were TU624-EQ648-EX658...On a denial from cap1 at the same period they ran my TU and it was 660 and EX was 662....any clue why? EX was pretty close but TU was way off!!