FAKO is a score used primarily by free monitoring websites to give people hope to apply for cards. If they apply, those sites get affiliate commission money to the tune of maybe millions of dollars a year.
FAKO is not a score used for lending purposes or creditworthiness by any lender who would ever admit it. A few lenders tried VantageScore a few years ago but all of them dumped it because it's a horrible algorithm for detecting bad borrowers.
Just focus on FICO. Dropping a single collection or derogatory may mean 0 points if you have other derogatories that are more recent. Lowering utilization overall may mean nothing if you're in the same utilization tier, or if one card still has high utilization alone.
Credit Karma is useful for being notified of credit inquiries (hard) or new accounts. It won't catch them all but it's a nice free feature. Everything else on that site is usually useless, especially their "credit card suggestions" features.
