Is the EXPERIAN Free FICO Score really a FAKO or Is It Really a FICO?

[Anonymous]

Hi.... Out of curiosity, does anyone know if the free FICO score on the EXPERIAN website is really a FAKO and not a FICO? It does say FICO, but I am not sure. The reason I have my doubt, is because I have a thin credit report. With just one revolving credit card and one installment loan, both less than four months old. And knowing that it takes six months to get a FICO score to report with respect to my case. So I am just wondering.

[Anonymous]

Vantage3.0

[Anonymous]

Thank you, TheCreditGame. Perhaps EXPERIAN should not post it as a FICO, but rather the post as VANTAGE 3.0. It's kind of misleading.

[Anonymous]

Ya the free one is misleading

I believe their premium paid service is a legit fico, but again you said free

[Pikaboo-icu]

Well mine is my real FICO 8.. I used Experian.com and I only use the free service. 

It's exactly the same as my paid Fico 8 here on My Fico..

Strange...

ETA I'm not sure but I think I originally signed up through this link- https://www.freecreditscore.com/

It's free...

[kilroy8]

It is real FICO 8 on the free service. Always matches my MyFICO paid, too.

[Anonymous]

I have never heard of a non-FICO score (VS 3.0) using the term "FICO" along side it.  Can you provide a screen shot of what exactly you're seeing?

[SouthJamaica]

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@Anonymous wrote:

Hi.... Out of curiosity, does anyone know if the free FICO score on the EXPERIAN website is really a FAKO and not a FICO? It does say FICO, but I am not sure. The reason I have my doubt, is because I have a thin credit report. With just one revolving credit card and one installment loan, both less than four months old. And knowing that it takes six months to get a FICO score to report with respect to my case. So I am just wondering.

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The FICO 8 I get from Experian is absolutely real. It updates once a day, and it updates a day or two before MyFICO catches up to it.

[HeavenOhio]

I believe that Experian gives you FICO scores, and TransUnion gives you VantageScores. I'm not sure about Equifax.

[Anonymous]

EQ gives their own internal score, the free subscription score on EX is definitely FICO8, same score as premium but it only updates monthly.