EX FAKO is weird

[bichonmom]

Okay, I know that FAKOs aren't FICOs, but I can't get my EX FICO, so I'm making due w/the FAKO. I'm getting it from freecreditscore.com, which is EX's CMS.

So, after disputing and much hard work, I finally got a collection off of my EX rept. It was only $30, but it was showing a date from 2010, so the dating was recent. I was so relieved when I got the email that this had been removed, but when I checked my EX score this evening, it didn't change at all. I intentionally got a NEW EX rept (the service includes a daily pull if you want). Previously, when I have pulled a new rept., the score has changed. Not every time, but if something happened on the rept., then the score changed. This time, zip.

I am at a total loss. I'm consoling myself by telling myself that it's possible that my FICO changed even though the FAKO didn't, but really I don't know that. Can anyone offer any help or suggestions here?

Thanks!

[MarineVietVet]

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@bichonmom wrote:

Okay, I know that FAKOs aren't FICOs, but I can't get my EX FICO, so I'm making due w/the FAKO. I'm getting it from freecreditscore.com, which is EX's CMS.

So, after disputing and much hard work, I finally got a collection off of my EX rept. It was only $30, but it was showing a date from 2010, so the dating was recent. I was so relieved when I got the email that this had been removed, but when I checked my EX score this evening, it didn't change at all. I intentionally got a NEW EX rept (the service includes a daily pull if you want). Previously, when I have pulled a new rept., the score has changed. Not every time, but if something happened on the rept., then the score changed. This time, zip.

I am at a total loss. I'm consoling myself by telling myself that it's possible that my FICO changed even though the FAKO didn't, but really I don't know that. Can anyone offer any help or suggestions here?

Thanks!

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Since at this time you don't have access to your EX FICO then don't worry about what you have no power over. That's what I did before I found out I could get my EX FICO from a LO at my local CU. Until then I was quite content with just knowing my TU and EQ scores. I was never concerned about my EX because the other two scores were just fine.

Just my 2 cents. 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[llecs]

Because it wasn't high tide or perhaps it wasn't a month that ended in "y". 

All the more reason to ignore it. It's always possible they don't update the score daily, but who knows. BTW, I once had a CA get deleted. My FICO increased 58 and my FAKO dropped 8. Go figure.

[bichonmom]

Thank you for your replies. I can just hope that my FICO did go up...

I asked my local CU (who pulls EX) if they could pull a soft EX for me so I could get an updated score, and they said that they could ONLY do hard pulls. I don't think that's true, unless there's some sort of agreement w/EX or something. It's SO frustrating. Hopefully EX will make FICO avail again soon!

[MarineVietVet]

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@bichonmom wrote:

Thank you for your replies. I can just hope that my FICO did go up...

I asked my local CU (who pulls EX) if they could pull a soft EX for me so I could get an updated score, and they said that they could ONLY do hard pulls. I don't think that's true, unless there's some sort of agreement w/EX or something. It's SO frustrating. Hopefully EX will make FICO avail again soon!

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I don't recall what your inquiry situation is like but it might be worth a hard to find out. I didn't ask my LO whether it would be hard or not because I didn't care. In my mind one hard pull a year (which is how often I will ask her) is worth knowing my EX FICO.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[bichonmom]

My EX has the most inquiries, so for now I'll just let it go and hope my score increased. In any case, it is a relief to have the inaccurate item removed.

[MarineVietVet]

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@bichonmom wrote:

My EX has the most inquiries, so for now I'll just let it go and hope my score increased. In any case, it is a relief to have the inaccurate item removed.

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+1

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[GregB]

EX is great for the fast updates. The Plus Score is a joke. This morning, my revolving updated the CC balances that just closed and my revolving went down $9300. Just for laughes I looked at the score - no change still 747. We will see what Scorepower showes after EQ finally updates.