What is wrong with my EQ FAKO Score

[Creditaddict]

My EQ Fico is actually higher than my EQ Fako, this has NEVER happened to me before and it's considerably lower than my TU and EX Fako... but yet when I log, less acounts show, less debt shows, less inq show.  How in the world is it so low!! LOL

just a good o' guessing game sort of question I suppose.

Scores in Sigi below.

[llecs]

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@Creditaddict wrote:

My EQ Fico is actually higher than my EQ Fako, this has NEVER happened to me before and it's considerably lower than my TU and EX Fako... but yet when I log, less acounts show, less debt shows, less inq show.  How in the world is it so low!! LOL

just a good o' guessing game sort of question I suppose.

Scores in Sigi below.

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FAKO is as FAKO does. BTW, I'm giving out free 800 FAKOs if anyone wants them!

[Anonymous]

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@llecs wrote:

FAKO is as FAKO does. BTW, I'm giving out free 800 FAKOs if anyone wants them!

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At that price I would take one, but they're worse than useless. 

FAKO scores are kinda like being told you won the lottery (or, conversely, totalled your car) and then have someone say, "Just kidding!" 

[llecs]

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@Anonymous wrote:

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@llecs wrote:

FAKO is as FAKO does. BTW, I'm giving out free 800 FAKOs if anyone wants them!

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At that price I would take one, but they're worse than useless. 

FAKO scores are kinda like being told you won the lottery (or, conversely, totalled your car) and then have someone say, "Just kidding!" 

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Fine! If you don't like my FAKO, you only get a 799! Because the day is coming to a close, I was going to give you a 875 too. You blew it.

[Anonymous]

This is the case with my EQ FAKO too...

In October my EQ FICO was 573 and my EQ FAKO was 586.

Now, my EQ FICO is 625 and my EQ FAKO is only 605.

I am slightly confused by this.

[OnTheRebound]

My FICO TU is by far my best score (754).

My FAKO TU is by far my worst (704)

I'll go with my FICO.

[llecs]

For entertainment purposes only:

TU FICO on 1/7/2011 via myFICO.com: 

696

TU FAKO on 1/11/11 via creditchecktotal.com (PLUS score):

686

TU FAKO on 1/10/11 via Barclays SeaMiles (TransRisk - CC Enhanced):

616

TU FAKO on 1/11/11 via CreditKarma.com (TransRisk):

660

TU FAKO on 1/11/11 via CreditKarma.com (VantageScore):

659

FICO...often imitated and never duplicated.

ETA, I do want to point out that even though the PLUS score and FICO scores are close, it is just a fluke. I have a thread in Understanding FICO Scoring somewhere, but IIRC, when pulled the same day, both FICO and the FAKO PLUS scores differed by as much as 50-60+ points just 4-5 months ago.

[Anonymous]

I'll add a few FAKO/FICO data points, confirming that FAKO's and FICO's are different. They are built on different algorithms which create different scores - in addition, the scores change in diverse directions and for diverse reasons. A FAKO increase/decrease does NOT yield a FICO increase/decrease. If you check both our mortgage scores and my current scores, you'll see a distinct lack of correlations.

My mortgage pull FICO:
EQ 708 EX 720 TU 730
Same Day Fako:
EQ 764 EX 679 TU 739

DH's mortgage pull FICO:
EQ 774 EX 690 TU 735
Same Day Fako:
EQ 761 EX 762 TU 735

My Current FICO:
EQ 711 EX 723 TU 723
Same Day Fako:
EQ 771 EX 792 TU 780

I've pulled tons of fako scores (I go through phases where I like to have credit monitoring services of various sorts). It doesn't matter who the source is. I've learned to ignore the FAKO scores and the advice that accompanies them. I don't read them anymore. I did for a long time, trying to discern any possible connection, but the reality is, once again, they are built on different algorithms, they create different scores and they adjust those scores based on differing criteria.

And, in case we forgot - lenders use FICO.  That's the score to care about.