FAKO scores have no correlation whatsoever with FICO scores. I know you said you've done a lot of reading on the differences between the various types of scores, but it's important to remember that FICO scores are the only scores that matter, and FAKOs are completely meaningless. There is no general rule that says they should even be in the neighborhood. They are often off by 100 points or more, in either direction.
The most affordable way to monitor your FICO scores over time is through the ScoreWatch product, which sends you alerts whenever your EQ FICO score changes. For the other two FICO scores, many of us subscribe to a credit monitoring service like TrueCredit (for $14.95 a month), which allows us to pull our reports daily. Then, when we see something on our reports that should trigger a score change (and if we want to find out our updated FICO scores), we shell out and buy our FICO scores from myFICO.
The important thing to remember about TrueCredit and other services like it, however, is that the scores they provide are FAKOs, and are therefore worthless, but the reports themselves are accurate. If you subscribe to one of these services, remember that the only reason to subscribe is for the daily reports, and you should ignore the scores completely.
