lol, it sure is insane how different my FICO and FAKO scores are.

[Anonymous]

I wish my FICO was at least a little bit closer to my Credit Karma FAKO, lol... 99 point difference on Equifax updated same day is pretty crazy... gotta love those reliable numbers... I do have a settled charge-off that hasn't updated on my credit file yet, it kills utilization on my FICO records but isn't factored in with the Vantage Score which I'm sure has a lot to do with it.

[Anonymous]

Wow. Mine are only 20 points off. VantageScore is the lower for me.

[Hokies2379]

Me too.  My CK (which only reports TU for me for some strange reason) is 75 points lower than my Fico.

[Anonymous]

Wow, that's crazy... I wonder which way my fiance's goes... I just raised her CK score by 45 points across the board (yesterday actually) because I added her as an authorized user of my Capital One QSOne card which dropped her util from 70's to 45% she was in the 580's the other day and I just assumed her FICO was even worse, maybe she's one of you guys who's got a higher one I should check.

I just assumed the Vantage score was always higher, never lower... interesting.

I'm guessing VantageScore screws up or offers more leniency when it comes to "baddies" I'm sure you guys have far less (if any) than I do based on your scores listed in your signatures regardless of how up to date they are, I have multiple public records and a charge-off I just settled (it has potential to drop off anytime after Nov 4) I'll probably file a dispute to see if that'll speed up the process and get it investigated / updated.

I think that's my problem with utilization, my Credt Karma utilization is 8% but as of late September FICO was at 60% because the FICO scoring factors in a charge off balance and Credit Karma never once considered that as part of my utilization, I bet that's quite a few points alone.

[Anonymous]

mine were usually within 15-20.....

EDIT:  

10/8  FICO SCORES

TU 643

EQ 679

EX 651

10/5 CK FAKO SCORES

TU 663 (20 pts higher)

EQ 677 (2 pts lower)

Here's hoping my EQ isn't close this time tho - cause today my EQ score is a 624 (no idea why it dropped - it's a mystery) 

[Hokies2379]

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@Anonymous wrote:

Wow, that's crazy... I wonder which way my fiance's goes... I just raised her CK score by 45 points across the board (yesterday actually) because I added her as an authorized user of my Capital One QSOne card which dropped her util from 70's to 45% she was in the 580's the other day and I just assumed her FICO was even worse, maybe she's one of you guys who's got a higher one I should check.

I just assumed the Vantage score was always higher, never lower... interesting.

I'm guessing VantageScore screws up or offers more leniency when it comes to "baddies" I'm sure you guys have far less (if any) than I do based on your scores listed in your signatures regardless of how up to date they are, I have multiple public records and a charge-off I just settled (it has potential to drop off anytime after Nov 4) I'll probably file a dispute to see if that'll speed up the process and get it investigated / updated.

I think that's my problem with utilization, my Credt Karma utilization is 8% but as of late September FICO was at 60% because the FICO scoring factors in my $700 charge off balance and Credit Karma never once considered that as part of my utilization, I bet that's quite a few points alone.

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It's funny. When I had a ton of negatives (21 at it's highest vs. 3 now) my CK score was higher than it is now. As my real score went up, my fake score went down.

[Anonymous]

I bet that's how it will go for me too... I don't have nearly that many baddies but I do have 5 records which some are within a year or three of dropping off and I do have that charge off that I just settled couple weeks ago, otherwise I have one derogatory card that is falling off this month as it's been 7 years and another falling off in february which will leave me nothing but the records and the settlement (that will fall off in 2019 I think)

I'm guessing these two falling off soon will both give me at least a small bump... I can't wait until I'm closer to 700 than I am to 600 so I can make an effort at getting some better credit cards and phasing out two of my junk cards (CreditOne, FirstNational)

[ddemari]

My Fakos are way high compared to my fico's. credit.com has me at 760 while my real credit/ fico score from experian is 698. 

[Anonymous]

My CK FAKOs are way lower than my FICOs. TU is 86 points lower on CK and EQ is 70 points lower on CK. TU was fairly close until a few months ago. One day I logged in and saw something like, TU -70. Kind of freaked me about a little. I though some new baddie got slipped in my report or something, but no. My reports hadnt changed.

[Anonymous]

my Fakos used to be higher but in the past year all of my Fakos have been 50-100 points lower than Fico8. For example my ck transunion says 519 while cct says 563. when my scores were in the 400s ck said it was 372.

credit karma, credit sesame, and credit.com all are lower than my actual scores, while quizzle is higher.