Be aware that auto lenders also pull a completely different score. Same for mortgage lenders. The auto and mortgage scores will give you a better score if there are auto loans or mortgages on your credit report - in good standing of copurse. So, if a person's score is overall kinda low, if they had previous auto loans in the past that show on-time payments, then the auto loan score will be higher - and vice versa of course.
I'm pretty sure that you can pay a little extra on myFico to get these a la carte scores.
I agree. Regardless what I did, I could not get my scores out of the high 500's. I finally got my FICOs and what a drastic difference - 50 points higher.
I too wonder if CK keeps the lower scores even lower so that people will take advantage of those high interest cards and loans on the site for which I'm sure they get a kickback.
Interestingly enough, and I think this goes with the previous post, I recently found out that my "FAKO" score on CK for EQ was LOWER than my real FICO EQ score!
Here's how it happened. I went to PenFed last month to apply for a used-car loan. I assumed from CK that my TU and EQ scores were both in the 660-670 range. When I sat down with the loan officer, she approved my loan right away and when she gave me the paperwork, I was astounded to find out that my FICO EQ score was 690, at least 20 points higher than I had assumed it would be from CK! It makes me wonder what my actual TU and EX scores are (CK says my TU score is now 676 and USAA says my current EX score is 660).
UPDATE 3/21: Having applied for and been approved for Discover It, I just checked CK and I see that my FAKO EQ score has dropped from 691 to 688.
Contrariwise to my previous report, here's a quick note about how the FAKO (in this case Vantage) score can be deceptively higher than your actual FICO.
In this case, it's TU. Most places - CK, Cap One, Nerdwallet, etc. - have given my current TU score as 676. Synchrony HP's and SP's TU, from what I can tell. Last week I tried applying for a CLI on my Amazon store card and got turned down flat as a pancake; fortunately it was a SP. I'm still waiting for the denial letter, but when I looked at my FICO TU score on Synchrony the other evening, I discovered that that score is...630. This is a whopping 46 points lower than any other site reports, and goes quite a ways to explain why I didn't get the CLI.
I just got that denial letter on my CLI attempt from Synchrony and my actual, current TU FICO score as of 3/24 is 627. Those dolts can't even be bothered to keep the score current on their own website...
We went car shopping awhile back and the lender Bank of American and a credit union pulled my husband's credit and it came out to 728. Fico 8 through AmEx had him at 703. Credit Karma had him at 680.
Crazy how much the scores differ. Just a heads up.
CK is always lower for us. They'll have us at about 670-680 while our Fico 8 is about 700 or more.
Im new to myFICO Forum "Hi". Reading all these top post and came across this one. After reading it I do have my own instance. I use creditkarma and have noticed that my score is like always 60 points lower than what it actually is through that site. Has anyone else noticed this? CapitalOne free score also is lower. American Expess I have noticed seems to be the closest to my true FICO score when I run my own report.
No matter where I get a FAKO score, I always seem to run into the same problem. My dad and I share our name and for most of my life, we also shared an address. My FICO scores are normal and my credit reports accurate, but whenever I sign up for a FAKO score, one or more of his cards impact my score. Namely, he has a Macy's card that they always seem to think is mine. FAKO scores therefore estimate my length of credit to be longer than my length of life! And no, he has never added me as an authorized user to that account.
CK has me at 726/729
I love seeing it even though I know it's not real.