I'm the exact opposite. My FICOs are all higher than my FAKOs. It impossible to determine what it would be. Plus, is the lender pulling a FICO score or are they using a different score. Not "all" lenders pull FICO. Plus, there are different variations of FICO scores, is auto, CC, mortgage enhanced?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
USAA has me at 520 myFico is 615, everyones is different
PLUS is really a worthless indicator. Mine have not moved in 6 months for any report dispite new accounts and inquiries reporting after I had signed up earlier in the year. And my PLUS are lower on EX/EQ FICO. TU PLUS is higher then FICO. As of the last accurate numbers I had for FICOs.
