cancel
Showing results for 
Search instead for 
Did you mean: 

FICO vs. FAKO – Share your FAKO stories

tag
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

So i like others have discovered the myriad of credit<blank>ma.com (wasnt sure if name dropping was allowed).

 

MyFico

Fico8
Ex 674 
TU 690 vs 726 Fako

Eq 681 vs 726 Fako

Message 271 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

I always wondered why the scores vary.  I just signed up on myfico.com as they seem most accurate, I hope? How accurate is myfico?  The other thing is I asked a lender which fico score model they use and they didn't know...doesn't sound right, I would think they would know.  Thanks for the insight Smiley HappySharon

Message 272 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

 

  • Where did you get your FAKO score?

Credit Karma. 

  • Which FAKO score did you receive and from which bureau?

TU: 634 & EQ: 654

  • Where did you get your genuine FICO® Score?

Credit Check Total

  • Which FICO® Score did you receive and from which bureau?

TU: 688 (+54), EQ: 758 (+104), EX: 749

  • What type of loan/credit were you applying for? (type, rate, terms, etc. are all helpful)

Credit Cards! Just trying to gage what I may qualify for because I started receiving pre-qualifications for Tier 3/Travel cards

  • Share your FAKO story (What was your first impression when you received your FAKO score? How did you figure out that it was not a FICO® Score or that it was different than a FICO® Score? How did the FAKO score impact your loan/credit experience? )

I was really shocked! I knew my experian was high through Experian.com. However, I wasn't expecting such a big difference with TU, since I have 6 medical charge-offs. I expect a score improvement, once I dispute them. I'm glad I was able to see my TRUE score for only $1!!!! 

 

Message 273 of 338
silvius
New Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Ex FICO (free from USAA) - 768

 

TU Vantage 3.0 (CreditKarma) - 778

 

 

January 2023: 850 (Equifax FICO 9)
Message 274 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

Last month my TransUnion FICO 8 was 840 and my TransUnion VantageScore 3.0 was 839.

FICO provided by Discover and VantageScore provided by Capital One.

 

Message 275 of 338
Jnbmom
Credit Mentor

Re: FICO vs. FAKO – Share your FAKO stories

Real FICOs

EXP 715

EQ   693 

TU   685

 

Credit Karma

TU 612

EQ 630

 

Quite the difference. I only use CK for monitoring the scores are completely worthless

EXP 780 EQ 791TU 795
Message 276 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories


@Anonymouswrote:

I always wondered why the scores vary.  I just signed up on myfico.com as they seem most accurate, I hope? How accurate is myfico?  The other thing is I asked a lender which fico score model they use and they didn't know...doesn't sound right, I would think they would know.  Thanks for the insight Smiley HappySharon


The scores you get from myfico and other paid websites are the exact and correct scores and the same lenders will see if they made a HP. As for which model a specific lender use I think you can search the forum and if someone has applied for it they would know. Can't be definite though

Message 277 of 338
LXRM36
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

Forgive me if this is already in this thread, but, where is the best place to get your ACCURATE FICO’s???
FICO8 Feb 2, 2022: EQ: 755 TU: 739 EX: 769
BOA World Rewards: AU $15.9K
CO Platinum MC: $2K
BOA Cash Rewards: $6.7K
CO Visa Plat: $1.75K
DESCO FCU: $10K
Best Buy CBNA: $3.5K
Sync Care Cred: $7.5K
Chase Sapphire Reserve: $23.5K
AMEX BCP: $32K
Chase Marriott Bonvoy Boundless: $15.1K
Disco it Miles: $19.5K
Message 278 of 338
Anonymous
Not applicable

Re: FICO vs. FAKO – Share your FAKO stories

FAKO.png

These are highly inflated while I'd love my scores to be not far from 800... I'll just close with looks can be deceiving ahaha. Smiley LOL

Message 279 of 338
CreditRebuilder2020
Frequent Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Right now for me......My FAKOS have weird fluxuations that don't make any sense either. They've jumped as high as the 590's but they've dipped back down into the upper 570's.

 

I've been north of 600 in my real scores for 3-4 months now 

 

My FICO scorecard 

647 EQ: 623: TU: 617

 

FAKO scorecard

EQ: 569 TU: 559 


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 280 of 338
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.