Monthly Monitoring

[NP27]

Hello.  I am wonderful how many people us the daily monitoring offered by MyFico.  I have the ability to check my Ficos through Barclay and Cap one, but wasn't sure if they were Fakos.  I also have the option to check scores through my credit union, but also am not sure if this is a Fako. I had the MyFico monitoring, but recently cancelled it and am missing it, but don't mind because it's 20 per month.  Does anyone know if the banks aforementioned offer real Ficos or Fakos?  Thanks 

[NP27]

Nobody?

[Anonymous]

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@NP27 wrote:

Hello.  I am wonderful how many people us the daily monitoring offered by MyFico.  I have the ability to check my Ficos through Barclay and Cap one, but wasn't sure if they were Fakos.  I also have the option to check scores through my credit union, but also am not sure if this is a Fako. I had the MyFico monitoring, but recently cancelled it and am missing it, but don't mind because it's 20 per month.  Does anyone know if the banks aforementioned offer real Ficos or Fakos?  Thanks 

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The Barclays provides a true FICO 08 TU score.  It would match the score for TU that you would get here.

The Capitol One  score is a half FAKO, . Their new model provides a Vantage score which is better then what they had before but it's not a real FICO.

Impossible to know about your credit union.  More than likely it's either their own internal scoring or one of the Bankcard enhanced FICO Scores.  Probably best way to find out is to call them and ask.

[Revelate]

Which credit union? 

[NP27]

American heritage fcu in PA

[Imperfectfuture]

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@Anonymous wrote:

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@NP27 wrote:

Hello.  I am wonderful how many people us the daily monitoring offered by MyFico.  I have the ability to check my Ficos through Barclay and Cap one, but wasn't sure if they were Fakos.  I also have the option to check scores through my credit union, but also am not sure if this is a Fako. I had the MyFico monitoring, but recently cancelled it and am missing it, but don't mind because it's 20 per month.  Does anyone know if the banks aforementioned offer real Ficos or Fakos?  Thanks 

---

The Barclays provides a true FICO 08 TU score.  It would match the score for TU that you would get here.

The Capitol One  score is a half FAKO, . Their new model provides a Vantage score which is better then what they had before but it's not a real FICO.

Impossible to know about your credit union.  More than likely it's either their own internal scoring or one of the Bankcard enhanced FICO Scores.  Probably best way to find out is to call them and ask.

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My capital one still uses the old scoring, and hasn't updated.

[Anonymous]

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@Imperfectfuture wrote:

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@Anonymous wrote:

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@NP27 wrote:

Hello.  I am wonderful how many people us the daily monitoring offered by MyFico.  I have the ability to check my Ficos through Barclay and Cap one, but wasn't sure if they were Fakos.  I also have the option to check scores through my credit union, but also am not sure if this is a Fako. I had the MyFico monitoring, but recently cancelled it and am missing it, but don't mind because it's 20 per month.  Does anyone know if the banks aforementioned offer real Ficos or Fakos?  Thanks 

---

The Barclays provides a true FICO 08 TU score.  It would match the score for TU that you would get here.

The Capitol One  score is a half FAKO, . Their new model provides a Vantage score which is better then what they had before but it's not a real FICO.

Impossible to know about your credit union.  More than likely it's either their own internal scoring or one of the Bankcard enhanced FICO Scores.  Probably best way to find out is to call them and ask.

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My capital one still uses the old scoring, and hasn't updated.

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I don't what happened to my brain last night. Capitol One hasn't changed and it still is a complete FAKO.  I had Creditakarma on my mind.

[takeshi74]

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@NP27 wrote:

I am wonderful how many people us the daily monitoring offered by MyFico.

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Some do, some don't.  I don't.  However knowing how many doesn't really mean anything.  Each has to find solutions that best suit the individual.  Do you have specific questions about myFICO's monitoring?

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@Anonymous wrote:

The Capitol One  score is a half FAKO

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Irish was thinking of CK as mentioned above but scores are either FICO's or FAKO's.  If it's not a FICO then it is a FAKO.  There's no such thing has a half FAKO.  A FAKO used by creditors is still a FAKO.

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@NP27 wrote:
Nobody?

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You need to give any discussion forum site time for replies.  30 minutes isn't enough.  If you need a more immediate response then a discussion forum is the wrong tool for the job.

[zerbherb]

Is discovers fico listing FAKO?

[Anonymous]

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@zerbherb wrote:

Is discovers fico listing FAKO?

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No Discover is just like Barclays.  It's an 08 TU FICO.