I applied for a CC with my CU last week and was accepted. They use EX to pull my score, I really wanted to know what the EX score since I hear that it is much lower than the FAKO. Well I called the CU and they gave my the FICO EX it was 665 and the FAKO EX is 658 - Imagine that!!!!!!!!!!
Starting Score: TU 517 - EQ 539
Back in the day when we could pull our EX, there were some EX FAKOs that were lower than my EX FICO when compared the same day, and there were some EX FAKOs that were higher than my EX FICO when compared the same day (using PLUS, Vantage, CE Score, CreditXpert, TransRisk, EQ's FAKO, etc.). They were typically within 50 points either direction.