FAKE credit scores

  • Posts: 153

Replied by KellBell on topic Re: FAKE credit scores

FAKE is RIGHT!!!!

Credit Expert is a joke! It says my FICO is 566 and MyFico for Experian is 655!!!!! That is almost 100 points!!!!! My real FICO is 655!!!!

The only credit bureau that was completely accurate was equifax.com and myfico.com!!! EQUIFAX GIVES YOU YOUR TRUE EQUIFAX FICO!!!!!
11 years 3 weeks ago #1

Please Log in or Create an account to join the conversation.

  • porgy1000
  • porgy1000's Avatar Topic Author
  • Offline
  • Junior Member
  • Junior Member
  • Posts: 191

Replied by porgy1000 on topic yes, unless you apply for

yes, unless you apply for a mortgage, then they have to supply you with your real ficos from all 3 CB's for free
11 years 6 months ago #2

Please Log in or Create an account to join the conversation.

  • Posts: 4523

Replied by Meya on topic Meya, hmmm, here is the

Meya, hmmm, here is the BAD news. To get your real fico scores, the ones that the banks see and use, it is NOT good news.


Ok Porgy, I can read between the lines! I will get a FICO score from myfico dot com. :fun:
11 years 6 months ago #3

Please Log in or Create an account to join the conversation.

  • Posts: 41

Replied by Ash on topic Ahye...More reading Whoo :worried: I'm

Ahye...More reading Whoo :worried: I'm still trying to make it through
my English Lit Class without falling asleep. Math is way more
interesting to me... Ok back to the subject...
Regarding the My-Fico... When they pulled my scores in August for
the mortgage their score was about 2-3 points difference than
my fico. But pretty close though...It also depends on which gateway
they used. Once access the 3 in 1 through Transunion and the Other
access through Equifax. We compared numbers together and they
were impressed how close they actually were.

I went astray on an app spree after closing so its my fault :confused:
I'm trying to pay back down my other CC's and get back to my
plan of subprime elimination.

I like the Wamu alert too. My mom has an account with them
(which I manage of course) and they email alerts if their are
significant changes in the fico too. Its only once a month though.
11 years 6 months ago #4

Please Log in or Create an account to join the conversation.

  • porgy1000
  • porgy1000's Avatar Topic Author
  • Offline
  • Junior Member
  • Junior Member
  • Posts: 191

Replied by porgy1000 on topic not compared to the millions

not compared to the millions of pages I had to read in medical school :worried:
11 years 6 months ago #5

Please Log in or Create an account to join the conversation.

  • Posts: 3479

Replied by hjm331 on topic Wow, that's a lot of

Wow, that's a lot of reading.
11 years 6 months ago #6

Please Log in or Create an account to join the conversation.

  • porgy1000
  • porgy1000's Avatar Topic Author
  • Offline
  • Junior Member
  • Junior Member
  • Posts: 191

Replied by porgy1000 on topic Meya, hmmm, here is the

Meya, hmmm, here is the BAD news. To get your real fico scores, the ones that the banks see and use, it is NOT good news.

You can pay MyFico for each score total about OUCH $90

WAMU gives TU FICO for free each month.

The score you get on freecreditreport.com is your experian WORTHLESS fako score.

Ash, when you apply for a mortgage they THROW OUT your lowest and your higest score. For a mortgage your MIDDLE score is what they use.

When I took out my mortgage, same thing, I had Wells Fargo email me 3 actual FICO scores. That is how I knew the scores that we have access to on the CB web sites where fakes.

OK, here is where it gets WORSE, You have differient fico scores you know.

You have a FICO score as a mortgage score, which IS NOT the same as your auto loan fico score. Your credit card fico score is differient as well

FICO has differient scores for you as well based on the type of credit you apply for.

(ie) You go to a car dealer, your auto loan Fico from Experian may be 650, your mortgage fico may be 705, and your credit card fico can be 610. YES and all based on just one bureau report.

They base your differient FICO scores on how you MAY DEFAULT in the future on each seperate type of credit LOL. You actually have 7 differient fico scores at Fair Isac from each of the 3 bureaus (21 total fico scores). When you apply for new credit, the lender puts in the type of credit you are seeking, and is provided with a specific fico score. I have read all 640 pages of the Fico credit policy, so any questions you have, I will do my best to answer
:cheesing:
11 years 6 months ago #7

Please Log in or Create an account to join the conversation.

  • Posts: 41

Replied by Ash on topic They had a promo to

They had a promo to use free for 1 month after that you can pay monthly or one lump sum of eighty something???

I pay 8.00 per month and if you want addt'l pulls to the other 2 agencies I look for coupon codes on the net. Sometimes its 15%-20% off the regular price.
11 years 6 months ago #8

Please Log in or Create an account to join the conversation.

  • Posts: 41

Replied by Ash on topic I was one of the

I was one of the ones who subscibed to my credit keeper for over 2 years. Thats the problem! I had no idea they were fake until I applied for a mortgage. I had a rude awakening... :dumbfounded:

From research I went to myfico and pulled all three of my scores and compared it to credit keeper I was shocked! Thats when I figured FAKO vs FICO...
I kept very detailed of my credit pulls and I could never understand why my score never changed no matter how many cards I paid down and vice versa...

I kept pretty good records and keep the reports check it out. Equifax is my lowest score and Thank god for myfico because I was on needles and pins when I went to close my mortgage is August. I glad they used my middle score from TU, & Experian though...

Mycreditkeeper.com

07/06 - Equifax 586
07/06 - Experian 598
07/06 - Transunion 592

08/06 - Equifax 571
08/06 - Experian 595
08/06 - Transunion 585

09/06 - Equifax
09/06 - Experian
09/06 - Transunion

10/06 - Equifax 575
10/06 - Experian 599
10/06 - Transunion 581

11/06 - Equifax 578
11/06 - Experian 597
11/06 - Transunion 585

12/06 - Equifax 577
12/06 - Experian 597
12/06 - Transunion 583

01/07 - Equifax 578
01/07 - Experian 599
01/07 - Transunion 582

As of 02/19/07
02/07 - Equifax 589
02/07 - Experian 604
02/07 - Transunion 589

As of 03/22/07
03/07 - Equifax 589
03/07 - Experian 607
03/07 - Transunion 590

04/07 - Equifax - 589
04/07 - Experian - 607
04/07 - Transunion - 590

05/07 - Equifax - 597
05/07 - Experian - 614
05/07 - Transunion - 596
My Fico - 06/13/07

Equifax - (560) 06/07; 06/25 (579)
Experian - 588
Transunion - 593

My Fico - As of 07/19/07
Equifax - 588
Experian - 624
Transunion - 617

06/07 - Equifax 599
06/07 - Experian 617
06/07 - Transunion 597

07/07 - Equifax 603
07/07 - Experian 594
07/07 - Transunion 575

09/07 - Experian 636
- TU 632
- Exfx 609

***Equifax Only MyFICO Watch***
Date FICO® score Details Credit alert on same day?

1/27/2008 614 Score Watch® alert: Your score is unchanged.
1/25/2008 614 Score Watch® alert: Your score has gone up.
1/21/2008 605 Score Watch® alert: Your score is unchanged.
1/16/2008 605 Score Watch® alert: Your score is unchanged.
1/7/2008 605 Score Watch® alert: Your score is unchanged.
12/25/2007 605 Score Watch® alert: Your score is unchanged.
12/24/2007 605 Score Watch® alert: Your score is unchanged.
12/18/2007 605 Score Watch® alert: Your score has dropped.
12/16/2007 614 Score Watch® alert: Your score is unchanged.
12/10/2007 614 Score Watch® alert: Your score is unchanged.
12/5/2007 614 Score Power report: Your score is unchanged.
12/5/2007 614 Score Watch® alert: Your score is unchanged.
12/3/2007 614 Score Watch® alert: Your score has gone up.
11/30/2007 608 Score Watch® alert: Your score is unchanged.
11/29/2007 608 Score Watch® alert: Your score is unchanged.
11/26/2007 608 Score Watch® alert: Your score is unchanged.
11/23/2007 608 Score Watch® alert: Your score is unchanged.
11/19/2007 608 Score Watch® alert: Your score is unchanged.
11/18/2007 608 Score Watch® alert: Your score is unchanged.
11/16/2007 608 Score Watch® alert: Your score has dropped.
11/15/2007 612 Score Watch® alert: Your score has dropped.
10/28/2007 613 Score Watch® alert: Your score is unchanged.
10/24/2007 613 Score Watch® alert: Your score is unchanged.
10/21/2007 613 Score Watch® alert: Your score is unchanged.
10/15/2007 613 Score Watch® alert: Your score is unchanged.
10/12/2007 613 Score Watch® alert: Your score has dropped.
10/10/2007 615 Score Watch® alert: Your score is unchanged.
10/9/2007 615 Score Watch® alert: Your score is unchanged.
10/5/2007 615 Score Watch® alert: Your score has gone up.
9/25/2007 603 Score Watch® alert: Possible lower rate on a new HLOAN . Yes More info
9/14/2007 599 Score Watch® alert: Your score is unchanged.
9/8/2007 599 Score Watch® alert: Your score is unchanged.
8/27/2007 599 Score Watch® alert: Possible higher rate on a new HLOAN . Yes More info
8/24/2007 600 Score Watch® alert: Your score is unchanged.
8/22/2007 600 Score Watch® alert: Your score is unchanged.
8/21/2007 600 Score Watch® alert: Your score is unchanged.
8/13/2007 600 Score Watch® alert: Possible lower rate on a new HLOAN . Yes More info
8/7/2007 598 Score Watch® alert: Your score is unchanged.
8/5/2007 598 Score Watch® alert: Your score has gone up.
7/17/2007 588 Score Watch® alert: Your score is unchanged.
7/13/2007 588 Score Watch® alert: Your score is unchanged.
7/6/2007 588 Score Watch® alert: Your score has gone up.
6/25/2007 579 Score Power report: Your score is unchanged.
6/24/2007 579 Score Watch® alert: Your score has gone up.
6/18/2007 560 Score Watch® alert: Your score is unchanged.
6/11/2007 560 Score Power report: Your score is 560.
11 years 6 months ago #9

Please Log in or Create an account to join the conversation.

  • Posts: 4523

Replied by Meya on topic Thanks HJM! Ok when I

Thanks HJM! Ok when I went to myfico, there were too many options to choose from and I watched the demos, which is the best? So you can only pull from myfico once per month?
:dumbfounded:
11 years 6 months ago #10

Please Log in or Create an account to join the conversation.

  • Posts: 3479

Replied by hjm331 on topic Meya, I was talking about

Meya, I was talking about freecreditreport.com. I didn't say they gave FICO score but they do have their own scoring system which isn't even close. My experian+
credit score on FCR is 718. My FICO for experian is 660. See the difference?
11 years 6 months ago #11

Please Log in or Create an account to join the conversation.

  • Posts: 4523

Replied by Meya on topic Hjm was talking about another

Hjm was talking about another credit monitoring system that gives true fico scores. let me go back and retrack a posting. Hjm if you come on before I find it, please let me know what it was. Coming to think of it, i think you mentioned it in chat.
11 years 6 months ago #12

Please Log in or Create an account to join the conversation.

  • porgy1000
  • porgy1000's Avatar Topic Author
  • Offline
  • Junior Member
  • Junior Member
  • Posts: 191

Replied by porgy1000 on topic The score you get on

The score you get on the Experian site is NOT your fico score. Since 90% of the banks use Fico, if your actual score at MyFico is 598, then thats what it is.

The scores that you find on the 3 bureaus are NOT fico scores and that was my reason for posting this topic in the forum.

We are all in the same boat. Unless we pay MyFico you just get a FAKEO LOL at the bureaus.
11 years 6 months ago #13

Please Log in or Create an account to join the conversation.

  • Posts: 2

Replied by columbia45 on topic Nope they both match perfectly.

Nope they both match perfectly. Hmmm what's the deal??? :scared:
11 years 6 months ago #14

Please Log in or Create an account to join the conversation.

  • porgy1000
  • porgy1000's Avatar Topic Author
  • Offline
  • Junior Member
  • Junior Member
  • Posts: 191

Replied by porgy1000 on topic Just to let you know;

Just to let you know; MyFico uses the info from your EQUIFAX credit report to give you your basic Fico. You would need to purchase ALL THREE scores from MyFico for about $44 to find out all 3 of your true Fico scores.

There may be something bad in your Equifax that doesnt show up on your Experian too though :scared:
11 years 6 months ago #15

Please Log in or Create an account to join the conversation.