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Fico score 800+ Question?

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haulingthescoreup
Moderator Emerita

Re: Pico score 800+ Question?

 


@Anonymous wrote:

I was referring to my experian credit score. When I yesterday the told me Icould get my score for $7.95 so did it show a score of 691 however the monitoring

that have with them told me 654 this morning.  I also have score watch with equifax my score 700 Tu score is 697.


 

 

What Experian sold you was a FAKO. They no longer allow consumers to buy our own Experian FICO score.

 

FAKO's are credit scores that are created by other scoring formulas. They weigh factors on your reports differently than FICO formulas, and they often have different score ranges, so they don't do a very good job of predicting what your FICO's might be.

 

Since there are multiple FAKO formulas out there, you're seeing two different FAKO scores.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 11 of 13
Anonymous
Not applicable

Re: Pico score 800+ Question?

thank you for the info.

Message 12 of 13
marty56
Super Contributor

Re: Pico score 800+ Question?

You  purchased your Vantage score from them which is a FAKO but actualy used by at least one lender (Kohls).  The other score is the Experian Plus score which is FAKO and useless.

1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 13 of 13
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