The Master Ignore FAKO FACO (non FICO) Credit Scores Thread

[BobWang]

If it don't say FICO,

 

it ain't

[BobWang]

Issuers who use a proprietary score,

 

that score should also be ignored,

 

since there's no way we can access them,

 

and no other issuer would be using them.

[BobWang]

^

[HoustonLynne]

Issuers who use a proprietary score,

 

that score should also be ignored,

 

since there's no way we can access them,

 

and no other issuer would be using them.

Speaking of this, any idea what Logix uses...? They only pulled a couple of softs on EX in December, and I had a 622 on myFICO earlier that day. The LO said my score was 704.

I'm only asking so I know what I'm ignoring...

[joe blo]

Ahem, has anyone ever mentioned...

LOL

Edited April 7, 2014 by joe blo

[BobWang]

[mizliz1011]

I have ordered tri- CRA reports from Experian.. often they have stuff on there that is outdated and has been removed from the agency only reports- has anyone else had this experience? also, could someone tell me what a FICO score (Fair Issac I know, that much) vs. a FACO/FAKO score is? and when you order a tri-CRA report from Experian, is that the real deal or just some b/s...

[BobWang]

is the smart credit Transunion Fico worthless? Just did it and my score had not moved although the woman on the phone yesterday noted that my score had moved from 563 to 661...I continue to find this confusing. Thanks for the post.

 

Worthless FAKO

[mizliz1011]

thanks... is their information complete? I read about smartcredit on this so I wanted to keep up on what was on my TU report...chocolate... but its good to see what has dropped off, yes?

[BobWang]

NO,

 

no 3rd party is complete,

 

that's why we keep saying get PAPER copies of your report from

 

each individual CRA.

[mizliz1011]

since I don't live in PA I can't get that PS whatever creditunion even through donating to the parks.. how long ago does a credit turndown have to be to still qualify for a set of real fico scores? i had a turndown last august... can I still use that?

[BobWang]

If your FICO score was used in the denial,

 

you're supposed to get the score in the denial letter.

[BobWang]

^

[BobWang]

If it don't say FICO,

 

it ain't