Experian FAKOS

[Boldilocks]

Of course, we're all just staring through a glass darkly here with Experian.

My EX fako on CCT is considerably lower than my EQ and TU ficos - like 100 points lower than my EQ (though EQ has no baddies and my judgement was removed from that).  

When I was updated my info on the phone for my HSBC card, the rep was really trying to get me to use their Creditkeeper service, considering i can cancel and not pay during the first month, I figured I'd try it to comapre the fakos.  My EX fako with that is 52 points higher and definitely more in range with my real scores.

Are any of the fakos better than others, or is it all just a crap shoot?

Also, how long do you think Ex can really get away with this - isn't thyat what the CRAs used to be like, not letting people see their own scores?

[JoeBJay20]

All FAKOs are basically crapshoots, with unique methodologies and scoring ranges.  There is never any real correlation between them and FICO scores.  Your FAKO scores could be identical to your FICO scores and mean completely different things.  A 750 FICO score is excellent whereas a 750 VantageScore is about average.