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FICO vs. FAKO – Share your FAKO stories

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

Re: FICO vs. FAKO – Share your FAKO stories

CK FAKO
TU -594
EX - 582

Myfico
TU - 619
EQ - 653
EX - 611

Creditwise
565

I'm hoping to reaching 600 on my FAKO score.
Message 151 of 337
Regular Contributor

Re: FICO vs. FAKO – Share your FAKO stories

the diference in my scores is about 10 to 20 points, in example TU & EQ in credit karma is 713 & 716, but on fico is 702 & 698

 

 

 

 

08/27/2016 TU: 702, EQ: 689, EX: 713

BP VISA ($300), Amex Everyday Card ($1,800), Discover It Chrome Students ($500)



Starting Score:EX: 713 EQ: 698
Message 152 of 337
New Member

Re: FICO vs. FAKO – Share your FAKO stories

Hello so on March 31 2016 i applied for my 1st credit card ever and was told by my credit union my score was 0. the first time i financed something was in 2007 and the last time i financed a truck and finished paying in 2014. no active accounts for 2 years got me back to 0. so anyway my credit union gave me an unsecured credit card with 500 limit and while anxiously waiting 6 months for my fico scores my FAKO scores were as of august 31 2016 TU-691 EX-630 and EQ 690. On september 1st i finally got my 3b Fico Scores and reports and was dissappointed with the results TU-600 EQ-699 and EX 612. btw i did get approved for a Capital One mastercard with 300 limit in late june. only my EQ score was pretty dam close to the fako score by 9 points but TU 99point difference. just wanted to share this

Message 153 of 337
Frequent Contributor

Re: FICO vs. FAKO – Share your FAKO stories

Mine are way off now. Used to be about a 25 pt difference.

CK
Tu: 753
EQ: 754

Tu 08: 694
EQ 08: 668 Smiley Sad

Not sure why vantage models seem to love me so much, but sure wish my fico scores were that high!
Message 154 of 337
Valued Contributor

Re: FICO vs. FAKO – Share your FAKO stories

My fico vs fako

Fako1.JPGfico6.JPG


TU fico08=826 05/10/19
EX fico08=807 05/09/19
EQ fico08=822 05/04/19
EX fico09=818 05/01/19
EQ fico bankcard08=845 04/23/19
Garden since 07/02/18
Message 155 of 337
Frequent Contributor

Re: FICO vs. FAKO – Share your FAKO stories

CK

 

TU  723

EQ 724

 

MYFICO

 

TU  723

EQ  576

 

 

No typo,  huge difference in the EQ, nearly 150 points ! Beware !

 

 

Huge difference in EQ !!!

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 156 of 337

Re: FICO vs. FAKO – Share your FAKO stories

Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter.  Nothing negative on TU but EX & EQ show a 6.5 collections.  Now I have 13 cards.  I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630.  This is down from upper 600's.  However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691.  Which am I to believe?  My inquiries, new accounts and AAOA are all negatively impacting my score.

Message 157 of 337
Valued Member

Re: FICO vs. FAKO – Share your FAKO stories

  1. Where did you get your FAKO score? Credit Karma
  2. Which FAKO score did you receive and from which bureau? 519 TU and 516 Equifax
  3. Where did you get your genuine FICO® Score? MyFico
  4. Which FICO® Score did you receive and from which bureau? 607 TU  606 Equifax
  5. What type of loan/credit were you applying for? (type, rate, terms, etc. are all helpful) None Rebuilding
  6. Share your FAKO story (What was your first impression when you received your FAKO score?How did you figure out that it was not a FICO® Score or that it was different than a FICO® Score? How did the FAKO score impact your loan/credit experience? ) when I applied for a Target Card and was approved.
Cap 1 QS|Cap 1 Secured|Navy Fed Secured|Barclays|Milestone|Credit One|Target
Message 158 of 337
Established Contributor

Re: FICO vs. FAKO – Share your FAKO stories


@melvinmonster wrote:

Up until the last two months, I only had a capital one card <1 year and a student loan for my daughter.  Nothing negative on TU but EX & EQ show a 6.5 collections.  Now I have 13 cards.  I noticed on Capitol One credit wise and Credit Karma that my scores are between 588 and 630.  This is down from upper 600's.  However on the FICO scores from Barclay, Discover, Walmart and I think CITI my fico is 689-691.  Which am I to believe?  My inquiries, new accounts and AAOA are all negatively impacting my score.


Cap One and CK are FAKO's for sure.  Trust the FICO scores...take care.

Goal: 700's by 11/1/2015 (all baddies will be gone)
Message 159 of 337
New Contributor

Re: FICO vs. FAKO – Share your FAKO stories

FAKO:

 

Discover Scorecard - 786 EX

Credit Karma           - 771 TU

Credit Karma           - 750 EQ

PenFed NG2            - 848

 

FICO 8 - 764 EX

             - 758 TU

             - 767 EQ

 

FICO 9 - 770 EX

             - 761 TU

             - 759 EQ

 

It's all game.

Message 160 of 337