The only time FAKO scores are really useful is if they're associated with a credit monitoring service that gives you daily pulls of your CR. Even then the scores aren't useful, but the daily CR pulls are.
FAKOs are credit scores from companies other than Fair Isaac. Are they necessarily "worse" predictors of risk than FICO scores? No one really knows, but what is known is virtually every lender out there will be pulling your FICO, not your FAKO, scores. That's why FAKO scores really aren't any use.
