FICO vs "FAKO"

[archinIL]

Okay.... before knowing that some sites have credit scores that are totally made up so to say, I purchased the freecreditreport.com with all 3 scores and reports. Since then, was shopping around for a home loan, and was told that I only had two credit scores. And, another score was OVER 100 points lower than it was on freecreditreport.com. Is this normal? Also.... why would I have "no score" with a credit bureau???

[Anonymous]

Well how much history do you have?

Thats the first question.

Not every creditor will report to all credit agencies.

Example I have a 6k credit line from USA Direct or something some bs stuff that they talked me into keeping because they said it would help my credit to show I was approvded for 6k....well I didnt know they closed it...anyway what credit items do you have?

And Fakos can be over 100 points lower than the fico, I found this out a hard way too. Theres a little disclaimer that says they are used for educational purposes or "just an example of what your actual score could be"

These are the things I saw.

Now with that said, I still use my fako site bercause the monthly fee is only $4 for me and I like watching my report and stuff.

Now my fako w/ EX is 676, myFico reported it 648

Yes I was upset because this was my first time knowing about the fakos too, but I now have a goal of getting my Fako to say between 750->800 b4 I pull myFico again. Its cheaper and now I have a gauge as to what to "expect".

[MidnightVoice]

I use scorewatch because it is a real FICO.  I happen to be lucky that it has been traditionally the middle of my 3 FICO scores.  I plan of getting the other real scores as and when I think there is a need - after disputes are settled, after time drops things off etc.  I just did it all last week as a benchmark of my first round of disputes.  I will do it all again (for self and wife) late in the summer after the next round of disputes are settled and reported.

[Anonymous]

Midnight can you look at some of my posts?

I just did them today and I plan on doing some disputing, I'm just not sure if it'll be worth my time to do so on some of the items I have

Because I want to do similar to what you are thinking