Is this normal?

[Emileeza]

I've been disputing some things on my CR since our BK discharged. I am subscribed to Experian's monthly 3 reports and scores service that I can update daily. Well, my TU one went from 595 to 600 on their site, so I decided to check my actual FICO for TU and compare it to a FICO I had gotten last week. My FICO from TU went from 526 to 511 !!! WTH? Why would EX report my TU score going up 5 pts and FICO show is as dropping 15pts?? Has anyone else had this happen? Should I even pay any attention to the FAKO scores? If a lender pulls scores from just one CRA do they get the FICO or their FAKO?

[lyssa29]

They get the fico scores.  I subscribed to all three CRA sites trying to figure it out and spent months and hundreds of $ checking my scores.  Most of them use a different range for FAKO to give you the illusion that your score is higher.

I got denied a mortgage because they said my score was below 620, but I went straight to Transunion and got my score and it was 680.  But it was like 680 out of 990 instead of FICO's limit of 850.

[nicemann]

I myself have Scorewatch, Truecredit, and CreditCheckTotal (Experian) and they have all different scores.  You can not go by the FAKOs.  Each agency uses different math to come up with their scores.  FICO bascially gets all three credit reports and then uses the same formula to judge and score.  That is why most lenders use FICO.  One FAKO show my score going up while another may show it going down and then FICO shows it staying the same.

Having CCT is great for getting the reports, just ignore the sorces.

[Emileeza]

Ok thanks. I had called to cancel my CreditCheck Total account but they reminded me I can still view my report as often as I like, so that makes it worth keeping. But yeah, I'll ignore those scores. I'll have to budget buying my real FICO scores every so often.