Since we seem to be on the topic of FICO today, this is an appropriate time to ask this question. For those of you getting your Fake scores, and then comparing them with the real FICO scores you get from your creditor that pulls your report, how much difference do you see? Are your Fake scores lower or higher than the real scores? And, if possible please be specific as to Experian vs TU scores. I am working on my Experian score (now 655) and am interested in knowing how far off (and in what direction) it is from the real thing before I apply for any credit. I am waiting for my TU score to arrive by snail mail because their new web site won't let me in.
I just got pre-approved for a mortgage and they pulled transunion. My fake transunion score was 692 and my real transunion fico was 650. My score power equifax fico was 647. I have several negatives on these reports: a 2 year old paid collection a 6 year old paid collection a 60 day late (which is being removed) a 30 day late with no date (car loan) a 30 day late from 99 I've never got a experian credit score, so I don't know that one. The reason I've never bothered to get that score is it's by far my best credit report with only a 30-day late pay from 99 and a 60 day from 2000 (which the creditor is removing).
