Creditchecktotal = FAKO?

[Anonymous]

OK so I made a topic last week about not understanding scoring.

I was denied for Discover secured even though I was pre-qualified... Ok, fine, over it!

But the issue is they said my score was way lower than what CCT was showing.

(No one here had a clue why)

Now... Before CCT I went by CK.

The first card I got was cap1 secured after pre-qualify. At the time CK showed my scores just barely over 500

At the same time I tried to get pre-approved for Credit One. Denied pre approval.

FF to today. CK has my scores near 600. I got a email from Credit One saying I was pre-qualified. Sure enough I was after checking (of course I passed now that I know better thanks to you guys)

Today I had a soft pull from a loan company. What they reported is not on CCT! (JUST LIKE DISCOVER, WAY OFF!)

Sooo I'm getting offers based on CK scores. CK = Fako, but I'm being told by lenders my score is way lower than what CCT is reporting.

By my estimate and going by CCT my true scores would have had to been in the mid 400s when I got the cap1 card... What am I supposed to do if I can't even rely on what is supposed to be true scores?

[newhis]

There are several scores.

Lenders can use whatever they want.

Most use FICO 8 scores.

CCT report FICO 8 scores.

[Anonymous]

Credit Check Total scores are legitimate FICO 8 scores-you can count on that.  As far as what any particular lender uses, it could one of the many FICO versions, an internal model or (least likely) Vantage 3. 

Sounds like you've got some significant battle scars on your reports.  Maybe working on getting those cleaned up as well as possible and taking good care of that Cap One card would be a good strategy for the present?   Good job on taking  a pass on the Credit One offer.  Also take a pass on the other predatory offers you are likely to get.  Good luck!

[Anonymous]

Unless you define FICO 08 scores as FAKO, Credit Check Total does not provide FAKO scores.