FICO vs FAKO Scores?

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Postby cc789 » Tue Mar 19, 2013 7:50 pm

DavidNY wrote:I wouldn't pay for scores. If you look at the free data from Credit Sesame or Credit Karma you'll have a good idea of what the scores are.

The Credit Karma FAKO is often way off, mine runs about 45 pts below actual FICO. The Credit Sesame FAKO tends to run a little high.

The best estimate, which isn't free, is the FICO04 score, which MyFICO sells. However, as more lenders turn to FICO08, it's usefulness is slowly declining.

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