I'm curious about people who've pulled PG and actual CRA reports. Is your FAKO always lower than your actual FICO? My FAKO is a 696 now, should I be celebrating about being in the 700 club. I'm sure we have enough PG members on here to give me some good feedback. I could just pull TU, but I'm not sure if it's worth the $13. THANX CNET members (and guests).