Showing results for 
Search instead for 
Did you mean: 

FICO vs. FAKO – Share your FAKO stories


Re: FICO vs. FAKO – Share your FAKO stories

Credit karma says I am 608 TU,  my CCT FICO says 675, capitalone creditwise vantage score 3.0 shows 613 and my barclays card credit score says 676.  I recently applied for a car loan and it came back with 670TU from NavyFed. So all the ones excluding CK and Capone are pretty close.

Message 111 of 338

Re: FICO vs. FAKO – Share your FAKO stories

Is there any bank that actually uses vantage score?

*US Bank Cash+ * US Bank 365 * Amex Green * Amex Blue Cash * Chase Freedom * Chase Slate * Chase Sapphire Preferred * BOA Cash Rewards * Citi Simplicity * Citi Double Cash
Message 112 of 338
Established Member

Re: FICO vs. FAKO – Share your FAKO stories

I pulled my FICO scores from and Vantage from CreditKarma.  


EQ  609 FICO - 710 VS

TU  602 FICO - 692 VS


So, yeah, I'm looking pretty good on VS, not that it really matters.  I'm glad I went to MF instead of relying on CK or I'd think my scores are about 100 points higher than they actually are.

1/12/16 EQ535 TU493 EX583
Current EQ711 TU704 EX696
Chase Sapphire Preferred- $12,000; Chase Freedom Unlimited - $5,000; Chase Slate - $12,000; AmEx Blue Cash Preferred - $3,000; Citi Double Cash - $3,600; CapOne Quicksilver - $3,200; BofA Cash Rewards - $15,000; BofA Platinum - $10,000; J. Crew - $8,500

Message 113 of 338
Super Contributor

Re: FICO vs. FAKO – Share your FAKO stories

I took out a car loan last week, waiting for it to hit my reports.


The FICO 8 simulator is predicting a 30 to 35 point score drop in my FICO 8 scores.


My Vantage 3.0 simulators on Credit Karma and Capital One are both predicting..... no change at all in my Vantage 3.0 scores.


Will be interesting to see what actually happens. If the simulators are close to accurate, I would love to know the reason for the big difference.



Total revolving limits 653000 (575000 reporting)

Message 114 of 338
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Thankfully, when I started my rebuild 3 years ago, somehow I luckily found Myfico and read up on a lot. This allowed me to be aware of the Fako before it could even trick me, thank God!!

Now, anytime I see FAKO, Vantage, or whatever other score, I always shrug it off and pay it no mind lol.


TCL: $306,100Utilization: 6%AAoA: 5yr 2mOther: Lease, Loan, No Mtg.Baddies: 0

LWS-35k | BOA-50k | AMX-32.4k | DISC-33.6k | ALNT-25k | NFCU-33k | BARC-15k | BBUY-12k | CSE-10k | CP1-10k | CITI-11.7k | PF-38.4k

Message 115 of 338
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Funny thing was my when my fakos were up, my ficos were down.  I mostly used Creditkarma as you can see your 2 full reports.  Now that my ficos are up, my fakos are lower than them.  Very stranage.  I still check Quizzle,, & Creditsesame since they/re free and do monitoring also. They're still not as high as my ficos.  I guess I will have to purchase them on here to see my fico 9 scores.   I use Experian as I can get an up to date score every day or 1/2 day.  And if I want all three, I pay.  Since most seem to pull EX, I thought it was the best choice since it started as my lowest score.  

FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 116 of 338
Established Contributor

Re: FICO vs. FAKO – Share your FAKO stories

I was gauging my credit with Credit Karma and I was OK with that until I was denied a few times and the lenders put my fico score on the 7-10 letter. Well for Amex and Cap1 the had me about 30 points lower than CK. I will run my info with myfico before applying in the future. I did not realize lenders still used older Fico models in decisions.
Message 117 of 338
Established Member

Re: FICO vs. FAKO – Share your FAKO stories



I have tried many, Credit Karma, Credit Sesame, Credit Cards, Identity Guard. The only site that comes close to this is identity guard. Scores are within 5 to 10 of scores on here. Credit Karma scores were 80 points off!!!


I received 680+ here fico 8. I recently started my credit 1.2 years ago with a 550 score after recovering from a bad accident which left me on disability for 2 years. I started with a $300 dollar secured card from First Progress, and Capital one.


1.2 Years later I have an Amex white 2000CL, Capital One QuickSilver 5300CL, Chase Freedom 4000CL, NFL BarClay 1500CL, Capital One Secured (oldest Account) 800CL, Sync Amazon Prime Card 3000CL, Citi Best Buy Visa 2500CL, Sync Chevron 500CL, Sync 76gas 500CL, Citi Double Rewards 5000CL, Discover It Card 1000CL, Sync Walmart Credit Card 4000CL 21% utilization. I need to pay it down! Education is the key to increasing your score quick and easy and putting the power back in your hands! I can not wait to see where I am in another year.

7/29/16 678 668 679 -- PenFed Promise 9000CL - Penfed Signature Visa 5000CL - Amex white 2000CL - Capital One QuickSilver 5300CL - Chase Freedom 4000CL - Home Depot 3000CL - Chase Freedom Unlimited 3500CL - NFL BarClay 1200CL - Capital One Secured (oldest Account) 600CL - Sync Amazon Prime Card 5000CL - Citi Best Buy Visa 2500CL - Sync Chevron 500CL - Sync 76gas 500CL - Exxon Mobile 500CL - Shell 500CL - Citi Double Rewards 5000CL - Discover It Card 1000CL - Sync Walmart Credit Card 4000CL - Care Credit 1500CL -- 21% utilization.
Message 118 of 338
Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

My last negative aged off TU last week, and now the FICO8 vs Vantage disparity has reached a new level of absurdity, with FICO at 761 and Vantage  at 654- a 107 point difference.


One of my CU's sent me an online survey the other day, and the only change I suggested for them was to get rid of the free Vantage score they started including, as it does nothing but obfuscate the true credit situation. 


Message 119 of 338
Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

On Credit Karma's score simulator, pretending to add a new card with a limit of $1,000,000 increased my score.


But wait! There's more!


Pretending to add a card with a $10,000,000 limit predicted a drop of 40 points! Smiley Surprised

EX08: 731 | EQBankcard08: 752 | TU08: 803 | Total Utilization: 1% | Total Credit Limit: $26,900
Message 120 of 338
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.