FAKO SCORES?

[Anonymous]

Hi All!

I currently check my FAKO Scores monthly thru freescore.com for $15/month.

I saw an ad for creditreport.com for $20/month and updates scores 2x month.

Which one do you use?

[Anonymous]

I personally dont use either. FAKO's are not used by creditors and therefore are not of importance to me anymore. WHen I first started I didnt even realize my scores were fake until I came across MyFICO. I was mad! I felt decieved! LOL...but yea for that reason alone I dont even bother...

[Anonymous]

It's just a rough estimate of what your FICO may or may not be.  I wouldn't live & breathe by either but use it as a guide of where you should go from there based on your CR.

[pizzadude]

Unless you are car or house shopping, I wouldn't worry about your score that much.  Buy a FICO score to get a baseline of where you stand, then focus on cleaning up your reports wherever possible, reducing utilization, and building positive payment history.

[Anonymous]

Why not use Credit Karma and Credit Sesame?  Those are both free and will get you FAKOs from TrasnUnion and Experian, respectively.  If they are going to be fake scores, why not use the free services?  Credit Karma lets you update your TransUnion as often as you want and Credit Sesame updates your Experian every month.  I like those for frequent checks and I will use myFico less often for the real deal.

[Datx]

I use the USAA credit monitoring service which is about $12.95 a month. You can pull your report daily if you wanted to instead of monthly. I do agree that FAKO scroes does not mean much, but when I see a change in score, that really tells me that I need to look  (in more detail than usual) for what changed on my report.

[Anonymous]

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@Datx wrote:

I use the USAA credit monitor service which is about $12.95 a month. You can pull your report daily if you wanted to instead of monthly. I do agree that FAKO scroes does not mean much, but when I see a change in score, that really tells me that I need to look  (in more detail than usual) for what changed on my report.

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I definitely wish I was a USAA customer so I could take advantage of that great deal.  I just signed up this morning for EliminateIdentityTheft, which seems comparable at least!

[Anonymous]

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@Anonymous wrote:

Why not use Credit Karma and Credit Sesame?  Those are both free and will get you FAKOs from TrasnUnion and Experian, respectively.  If they are going to be fake scores, why not use the free services?  Credit Karma lets you update your TransUnion as often as you want and Credit Sesame updates your Experian every month.  I like those for frequent checks and I will use myFico less often for the real deal.

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I agree and love CreditKarma.

[Datx]

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@Anonymous wrote:

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@Datx wrote:

I use the USAA credit monitor service which is about $12.95 a month. You can pull your report daily if you wanted to instead of monthly. I do agree that FAKO scroes does not mean much, but when I see a change in score, that really tells me that I need to look  (in more detail than usual) for what changed on my report.

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I definitely wish I was a USAA customer so I could take advantage of that great deal.  I just signed up this morning for EliminateIdentityTheft, which seems comparable at least!

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If you want to, you can always join USAA as a partial member and sign up for their Credit monitoring service. You do not have to apply for a check or savings account if you do not want to. Thats what I did, but eventually I did open up a savings and checking account with them a few months later.

[Anonymous]

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@Datx wrote:

If you want to, you can always join USAA as a partial member and sign up for their Credit monitoring service. You do not have to apply for a check or savings account if you do not want to. Thats what I did, but eventually I did open up a savings and checking account with them a few months later.

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But don't you need to be a veteran or have some tie to the military or a current USAA member to join?