seems like the FAKO is always higher then the FICO

[slap_happy]

my fakos are all in the mid 700's and a few months ago I got the amex BSP and got not the best apr so they sent my fico and it was 692

seems like its that way for most, anyone else feel the same way? I wonder why such a difference?

[Peter1142]

CK hates me, gives me 610's when my TU score is close to 700. And I don't really see why, it's only major complaint is my AAoA, which is lower than on TU as they don't get the full 10-year+ history.

[SunriseEarth]

Not always.  My FAKO score from CK is 617.   However, my FAKO score from Credit Sesame is 664.   Compare that to the Merrick 623 and the Wally 626.   Hmm.

[Anonymous]

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@Peter1142 wrote:

CK hates me, gives me 610's when my TU score is close to 700. And I don't really see why, it's only major complaint is my AAoA, which is lower than on TU as they don't get the full 10-year+ history.

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CK only considers your open accounts when they compute your AAoA.

[awiser]

This is not always the case. CK had my score as 605, compare it to the FICOs in my siggy. It's 635 now and I think my TU FICO as of last week was 648.

[jboy1972]

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@Anonymous wrote:

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@Peter1142 wrote:

CK hates me, gives me 610's when my TU score is close to 700. And I don't really see why, it's only major complaint is my AAoA, which is lower than on TU as they don't get the full 10-year+ history.

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CK only considers your open accounts when they compute your AAoA.

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+1

[Swapmeet]

A welcomed surprise for me is that my FAKO scores are most often much lower than my FICO scores--example: My FACO EX score was 710. That day I pulled my EX FICO and it was 744.  

[Countingpennies]

My EX fakos range from 589 to 716. Actual EX ficos are 630-640.

[FocusedAndDetermined]

Both my CK and CS are lower (by 30+ pts) than the FICOs I get from here. 

[FocusedAndDetermined]

Both my CK and CS are lower by 30+ pts than the scores I get from here.