Well after being totally depressed for months over my FAKO TU-- I decided to check out my true FICO... bit the bullet and paid the extra bucks. In any case, I am glad I did cause it is 661...over 150 points higher than the last FAKO I checked! I am so stoked!! I did have one negative drop off unexpectedly, so my FAKO might have also gone up but in any case I am finally solidly, for real in the 600 club. Yeah!!! Just needed to give myself a pat on the back PS. Can't wait to see what happens next month when that old Sears account falls off.
I was going to ask today, what the fakko compared to fico was. I read a post awhile back about it. I don't want to pay for it yet, I'm waiting for a few things to be added. My fakko is 728--but should go up w. some CL increases, so usage is lower. Now, NO MORE INQUIRIES!!!! My goal for TU!
I have read that the FAKO is a truly fake score, and your FICO can be higher or lower that the FAKO. so I am going to hold off paying of the fico until I have the last derog off.
