FACO vs FICO scores

[Anonymous]

Thought this may be of interest to others that are less experienced (like myself).  This experiment came up in another thread of mine and I figured it would be good to put it in its own thread. 

I joined TrueCredit 3in1 monitoring through Walmart and saw that the FACO scores were a fair bit lower than what I thought my FICO scores should be.  I was pretty much ready to pull my real FICO scores again anyway, so i did and compared the scores. My hope is that it may give someone else some idea of how much difference there "could" be between FICO scores and and the FACO scores.

 All scores listed below were pulled today within an hour of each other.

TU - FICO 726, FACO 698 difference of 28 points

EXP - FICO 709, FACO 672 difference of 37 points

EQU - FICO 699, FACO 674 difference of 25 points

[fused]

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KevKaos wrote:

Thought this may be of interest to others that are less experienced (like myself).  This experiment came up in another thread of mine and I figured it would be good to put it in its own thread. 

I joined TrueCredit 3in1 monitoring through Walmart and saw that the FACO scores were a fair bit lower than what I thought my FICO scores should be.  I was pretty much ready to pull my real FICO scores again anyway, so i did and compared the scores. My hope is that it may give someone else some idea of how much difference there "could" be between FICO scores and and the FACO scores.

 All scores listed below were pulled today within an hour of each other.

TU - FICO 726, FACO 698 difference of 28 points

EXP - FICO 709, FACO 672 difference of 37 points

EQU - FICO 699, FACO 674 difference of 25 points

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This is quite common, in fact, I have heard of up to 100 point differences. At least your FICO are the higher ones, not so for some others.

Message Edited by fused111 on 07-18-2007 06:48 AM

[Anonymous]

I am getting my ficos in a few weeks. Hopefully myfico's are higher than the fakos.

[Anonymous]

My FICOs are higher across the board than my FAKOs.  The thing I find wierd is that my FAKO experian score has risen quite a bit, but my FICO score has actually gone down.   I'm so not a fan of EX.

[Anonymous]

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princessofpink wrote:

My FICOs are higher across the board than my FAKOs.  The thing I find wierd is that my FAKO experian score has risen quite a bit, but my FICO score has actually gone down.   I'm so not a fan of EX.

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I really need to start calling them FAKOs instead of FACOs so that people know what I'm talking about. Sorry about that folks, but you got the idea.

[Anonymous]

LOL..just remember the "K" like in KevKaos.

[Anonymous]

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princessofpink wrote:

LOL..just remember the "K" like in KevKaos.

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Great point. I'll have to try and remember that. hehehe