Experian FAKO Score

[cuwhite5]

Good evening to all. I just got a FAKO score from the Experian site. Could anyone tell me how far off they normally are from a real Fico score?

[GoodCredBen]

Depends on your situation, generally what i have seen, is that they are LOWER then peoples real scores....

But then again YMMV 

[cuwhite5]

The score they gave was 772. How low from this score would you think it may be? I have no negatives, only a judgement. I have 3 accounts reporting. 2 credit cards and one installment loan which has been paid off in good standing. the cards I have are a HSBC with a $750 limit, which i just opened on 10.05.11 and a First Premier with a $250 credit limit..

[GoodCredBen]

to be honest, that is probably higher then your actual score, doesnt sound like you have much credit, but the judgement will hurt your score. 

[MarineVietVet]

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@cuwhite5 wrote:

Good evening to all. I just got a FAKO score from the Experian site. Could anyone tell me how far off they normally are from a real Fico score?

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There is absolutely, positively no way to know. It could be much higher or much lower than your EX FICO score. My advice it to ignore it completely.

Do you know what your TU (Transunion) and EQ (Equifax) FICO scores are?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[cuwhite5]

My scores from myFico as of Oct 25, 2011 are TU 711 and EQ 692.

[MarineVietVet]

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@cuwhite5 wrote:
My scores from myFico as of Oct 25, 2011 are TU 711 and EQ 692.

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Good. At least you have a baseline to work from.

Do you happen to live in PA? There is a credit union there (PSECU) that supplies a monthly EX FICO to it's members.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[cuwhite5]

No. I don't live in Pa.