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  1. #1
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    Thumbs down Freecreditscore and Creditkarma showing way different scores than Equifax report?

    Not sure if this is in the right section but it isn't about credit cards so...

    I use freecreditscore (not at all free) and just started using Creditkarma. Scores are each in the 640s. FCS is supposed to use Experian and CK is supposed to be based off of Transunion, so I wanted to check my Equifax.

    I signed up for a month of Equifax just out of curiosity and Equifax gives you a report from all three bureaus. All are about 40-50 points lower, "as of 1/26/2013".

    What gives? Am I misunderstanding the services I am using? D#^&&*#@(!$@!%$ this is very frustrating
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  2. #2
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    Here is the overview I guess.
    Attached Thumbnails Attached Thumbnails Freecreditscore and Creditkarma showing way different scores than Equifax report?-report1.jpg  
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  3. #3
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    They are all "FAKOs." They aren't real FICO scores. If you want a real EQ and a real (albeit an older model) TU, go to Myfico. You can't buy your EX score anywhere.
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    Which ones are FAKO? Freecredit and CK? But what about the ones Equifax is reporting? Those inaccurate too? Are they just estimated?

    Looks like I'll just have to go to Experian and Transunion directly for this information. Is there one bureau that is more commonly used by lenders that I should focus on?


    Thanks for all your help
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  5. #5
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    Quote Originally Posted by Fartanywherecard View Post
    Which ones are FAKO? Freecredit and CK? But what about the ones Equifax is reporting? Those inaccurate too? Are they just estimated?

    Looks like I'll just have to go to Experian and Transunion directly for this information. Is there one bureau that is more commonly used by lenders that I should focus on?


    Thanks for all your help
    Credit Karma, Freecreditscore, Creditsesame are all FAKOs.
    Theres different algorithms for calculating your credit score and those 3 above do not use FICO to generate your score.
    Credit Scores: FICO Score vs FAKO Scores

    If you want your real FICO score, you can get it at myFico.com from the official source. (Do a free trial to get your score and then cancel it is one way)

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  6. #6
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    Cool... Is there a point every month at which your FICO updates, or is it on a daily basis?
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