cancel
Showing results for 
Search instead for 
Did you mean: 

FICO vs. FAKO – Share your FAKO stories

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Re: FICO vs. FAKO – Share your FAKO stories

So. All of this being said. What will give us our best idea of credit scores? The free score offered by our credit card companies? Or going directly to the ex/Eq/tu site? I did the Equifax 3 in 1 for my wife and her ex score was 20 points off from the actual experian website score.
Message 131 of 337
Member

Re: FICO vs. FAKO – Share your FAKO stories

Scores:

 

Equifax:

fako:583 fico:628

 

Transunion:

fako: 607 fico:617

 

Experian:

fako: ? fico: 631

 

All the fako stuff is based on credit karma. 

Message 132 of 337
Super Contributor

Re: FICO vs. FAKO – Share your FAKO stories

For all the abuse heaped on the Vantage 3.0 scores here, because they're not FICO scores, I'm noticing that my Vantage 3.0 scores and my FICO 8 scores are pretty damn close:

 

                     EQ           TU             EX

 

Vantage      704         754            706

 

FICO8         703         774            707



5/10/19: FICO8 EQ 749 TU 779 EX 743 Total revolving limits 683300 (562300 reporting)
Message 133 of 337
Senior Contributor

Re: FICO vs. FAKO – Share your FAKO stories

As of today:

 

Vantage 3.0

TU - 800

EQ - 795

EX - 793

 

Fico 8

TU - 779

EQ - 754

EX - 780

Message 134 of 337
New Visitor

Re: FICO vs. FAKO – Share your FAKO stories

"I contacted Lexington Law a few days ago to see if they could help me with my credit. They told me my credit score was 567. I just found out yesterday that my actual TU score is 628! They probably give people low FAKOs to get them to feel like they really need help; turns out I'm doing something right all on my own!"

 

 

 

Lexington Law is a total SCAM! Check out MyCreditSecret.org   You take fixing your own credit LEGALLY, into your own hands and at a pace that you set. The only way you can't win is if you don't sart the program.

Message 135 of 337
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Don't really have much of a story because a couple of years back when I started fixing my credit, I found this site first and learned the difference immediatey. From that point I ignored anything that wasn't Fico, so I was never caught off guard.

Amazing, the ddifferences you see though.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 136 of 337
Valued Member

Re: FICO vs. FAKO – Share your FAKO stories

My Fico vs Fako scores are very similar between this site and credit.com, credit karma, and credit wise throught capital one.  Unfortunately, I applied for an auto loan this past weekend and they score that they pulled was over 30 points lower with Equifax compared to myfico.com.  Is this pretty normal? 

Message 137 of 337
Senior Contributor

Re: FICO vs. FAKO – Share your FAKO stories


@CAPTOOL wrote:

As of today:

 

Vantage 3.0

TU - 800

EQ - 795

EX - 793

 

Fico 8

TU - 779

EQ - 754

EX - 780


CAPTOOL, looks like your Fico scores are in decline. I thought one or two of your Fico 08s made it over 800 a couple months back.

 

More new credit?

Fico 8: .......EQ 850 TU 850 EX 850
Fico 9: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
VS 3.0:...... EQ 835 TU 835 EX 835
Fico 8 BC:. EQ 892 TU 900 EX 900
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 138 of 337
Senior Contributor

Re: FICO vs. FAKO – Share your FAKO stories


@Thomas_Thumb wrote:

@CAPTOOL wrote:

As of today:

 

Vantage 3.0

TU - 800

EQ - 795

EX - 793

 

Fico 8

TU - 779

EQ - 754

EX - 780


CAPTOOL, looks like your Fico scores are in decline. I thought one or two of your Fico 08s made it over 800 a couple months back.

 

More new credit?


Low balance installment loan paid. When it reported closed, my Fico scores dropped 33 points.

Message 139 of 337
Established Contributor

Re: FICO vs. FAKO – Share your FAKO stories

These are my scores for July 2016.  My reports are finally clean.

 

Equifax Complete Premier Plan

 

EQ=730,  TU=722,  EX=726

 

Credit Karma Vantage 3.0 scores

 

EQ=752,  TU=754

 

CCT(Credit Check Total) FICO 8 scores

 

EQ=770,  TU=767,  EX=777

 

 

I like the Equifax plan as I can see when NFCU does their SP during their AR period.

 

I like Credit Karma for the alerts they give.

 

I like CCT to get my monthly FICO 8 scores.

 

I like my FICO 3B reports to get all of my scores.  I won't get my next report until next month.

 

 

Message 140 of 337