Ignore the FAKO scores. These can go up when your FICO could go down and vice versa. My FAKO scores have also been as little as 5 points off from my FICO and as high as 100 points off when comparing the same scores. Come think of it, I had one FAKO score that was around 415 (TU-related) when my FICO was around 670 at the same time on the same day.
