@MarineVietVet wrote:
@DI wrote:
It's the thought that counts. Atleast U.S. Bank is offering a free legitimate Plus score. It may not be a FICO(which is questionable at this time), but it does give one an idea where their score may be. I wish people would stop degrading other scores when one cannot tell if they're actually getting the same FICO score that lenders pull. It seems to be a lot of variances with FICO scores these days.
I must respectfully disagree. [...] It tells you nothing that will help your credit situation.
I'd have to respectfully disagree with you Marine. Any so-called 'FAKO' score is at least some measure of your credit. For instance, if you have a good credit profile with a long history, your 'FAKO' score will probably be at the higher end of the spectrum, as will your FICO. So even though you probably won't have the EXACT score that the lender uses, you should at least have an idea how healthy your credit is, as I think was the point DI was making.
On the same note, I was recently approved for a Gander Mountain MC, and they sent me a letter stating, "In the scoring system we used, scores can range from 479 to the best possible score, 898." I haven't done any research yet, but I'm pretty sure that's NOT a FICO. So given that fact, defining a 'FAKO' score as ANY score the lender DIDN'T use to determine your creditworthiness, any FICO in this case would be determined - a FAKO...
