FICO vs. FAKO – Share your FAKO stories

[heyarrnold]

I don't have access to my FICO 8 EQ, but my FAKO and FICO are pretty comparible.

[righthererightnow]

I've been using CK to learn more about credit scoring, and relying on that score (I know) I applied for a credit card and got denied, twice. OUCH.

[JustinA]

CK just dropped 142 points...oh the humanity

[Anonymous]

My FAKO  and FICO are pretty far apart.

Credit Karma

TU - 702 

EQ - 608

MY FICO

EX - 640

TU - 631 

EQ - 593

[unc0mm0n1]

I must be an anomaly. My CK/CS scores (esp the last 5-6 months) has been almost spot on to my fico score from citi, walmart and discover. Quizzle, at least for me, has always been (and still is) a joke. It is normally about 40-50 points off my fico. 

EQ

Citi - 793

CK - 799

TU

Walmart -802

Discover - 804

CK - 804

CS- 807

EX

Amex - 774

Quizzle - 799

[Anonymous]

quick one. FAKO VS3 doesn't really care much about my SSL/installment loan (from Alliant CU).

while i gained 37-40 pts on my FICO 08, VS3 deducted 10-11 pts.

current VS3 score:
TU 743 was 754 before SSL
EX 744 was 729 *well this one actually went up.
EQ 745 was 755

current FICO 08:
TU 805 was 765 *ditto
EX 797 was 763 *huge jump coz of SSL
EQ ??? but probably same as TU

needless to say, a wide margin between my fako and my fico scores. *50+ pts

[mmark4848]

I'm laughing because after months of my Vantage scores being close to 100 points higher than FICO scores, my EQ Vantage dropped 24 points about 48 hours before my FICO EQ score increased by 24 points. I'm sure that makes sense in some parallel universe. I'm just happy to have my FICOs getting close to where the useless VS numbers have been. 

[Anonymous]

Myfico and credit karma, and vantage all updated today

Experian
Myfico - 639
CCT - 639

Equifax
Myfico - 630
CK - 646

Transunion
Myfico - 630
CK - 705

I guess credit karma isn't too far off on my EQ, but right now I can only dream of my transunion in the 705 area

[Anonymous]

Nice thoughts.

[Anonymous]

Reason for that is.

advantage looks at your picture for last 2 years or so and any recent activity in your credit.

Fico looks at your all credit history .

so if you applied and open accounts recently In Advantage it will bounce more than your Fico 

hope that kind of helps.