@Anonymous wrote:
Why is this company selling FAKO scores if it's not the real ones? So I'm assuming I need to buy my scores here in my fico.com?
ScoreSense sells a FAKO called a CreditXpert score. Lenders don't use these scores. The places for FICO scores are very limited:
EQ FICO - you can buy it from your lender, myFICO.com, or Equifax.com (most of what they sell are FAKOs, though there are 2-3 products that still offer a FICO; read each description carefully and make sure it says "FICO").
TU FICO - you can only buy it from your lender or from myFICO.com.
EX FICO - you cannot buy it from anywhere, though your lender can get it for you.
Aside from buying it, there are some places you can get it for free or at a reduced cost. For example, you can get your EQ FICO from Digital Credit Union, Unitus Community Credit Union, and M&T Bank. You can get your TU FICO for free as a Wal-MArt CC holder. And you can get your EX FICO from PA State Employees Credit Union (PSECU) for free if you have a checking acct. There are other banks and CUs out there that will provide a free FICO from time to time. Check with the one near you.
Back to your scores, you had compared a FICO to a FAKO and that's why you see a difference. Your score could have changed or stayed the same based on any changed to your report since the refi. The EQ FICO on here will very likely match the one your lender used. Most lenders use a version of EQ FICO called Beacon 5.0. So, if you see that in your lender's tri-merge report, you'll know the scores are one in the same and any increases or decreases would be due to changed to the report vs. comparing FICO and FAKO. The TU FICO on here may or may not match More than likely your lender used a newer FICO version called TU04. MyFICO uses an older version called TU98, though there are still some lenders that use the older version.
