I use creditcheck total.com and overnight my equifax went up fako score  57 points after I submitted disputes the previous day . is this just beause of the disputes? will my fako score go down if the disputes come back and the account status remains the same in the negative.
Mar 032011
Jan 122011
Simply put. I signed up for score watch and I have never gotten a single report from it. I’ve had lots of fluctuations with no email sent to me. I have another credit monitoring service using FAKO and when I check it and see a change I go on here and do a real pull.Â
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For example, I had it set to let me know when I hit 670. I saw a huge jump in my FAKO so I pulled it here and it went from 665 to 680. What gives?
Dec 212010
I went to the website Wed Dec 15th and got approved for the 3300 dollars I put in myself, then I found the surgery was going to be 3510 and I called to increase and got it increased to 4K the next day.
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FAKO Scores
Equifax  609
Experian 586
Transunion 656
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Credit  was pulled from Equifax credit report called “Sales Financing GEMB”
I defaulted on a student loan back in ’98. Young dumb and now trying to correct that.
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Recently I moved and started a new job and began worrying about my credit. I got my 3 reports to find out who holds my SL so I can clear it up thinking my credit was totaly trashed. I was surprised to see it’s not on any of my reports. Nothing was since i wasn’t using credit for the last decade. I couldn’t get a myfico score since my report doesn’t have anything 6 months of age on it. Just my WF secured CC and now a Cap 1 secured CC. Both a month old with UTL of %6. FAKO’s scores were TU 712, EX 726
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Being worried about possible surprise garnishments or the SL being rereported I contacted the CA when I found out who had my loan. I started the rehab program this week with $183 a month payments. My Loan was through Direct Loans for $6924 and now has interest of $4615 and fees of $2809. They knocked the fees of when I started rehad and said 1/2 of the interest will come off if I PIF. I can’t afford to do that right now though.
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My concern now is what happens after Direct Loans get my loan trasfered back to them? I was told by the CA that default status will be removed and the loan put in good standing on my reports, but since the loan currently isn’t on my reports will it just pop back on in good standing once I’m out of rehab?
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My AAoA is currently 1 month so potentially this could be a good thing for my report but I’m still a bit.
Jun 122010
I received a alert today that Harvard Collection showed up n my credit report. I think its a old Sprint Bill for $406.00. Please tell me the next step to take. My FAKO score dropped 26 pts. Has anyone ever heard od this company and are they hard to work with? What do I do next?
May 112010
I have credit reports that I have printed from My FICO and from free credit report.com…
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reports from FCR.com-are they FAKO and scores from My FICO-are they FICO? Confused & want to know which one to go by. Please help-thanks!
May 102010
Hi all,
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I wanted to see if anyone has had looked into this. I was added as an AU on a great credit card that not made my credit history longer but also has 10K balance, zero balance and never a late pay since it was established in 1993. It dated my credit back by at least 7 years. Is there any consistant rhyme or reason to translate FAKO and FICO? For some reason it only is reporting to EX and has for a month or so, is it normal to report only to 1 CA and not all 3? It is a Chase Mastercard.
Sorry for all the questions!!
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Has anyone ever tried to corralate their rise in FAKO and how it might affect FICO for example here is my situation:
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EX pulled by lender FICO was 606, FAKO said it was 667 this was back on 3/13. I added the above AU and it says my FAKO is now 710, I am trying to figure out how many FICO points that translates to? Are they generall off 60 points or so?Â
Thanks!
Mar 252010
So since we are only able to get a FAKO Experian score, do you still pull yours? I am trying to buy a house and would like to have a general idea where I am sitting. My EQ and TU are low 700 currently. Waiting for a balance decrease to report any day now and then turning in my credit app.
Mar 082010
I know that the EX FICO is not available except from a LO (or CU in PA, where I do not live).
But wondered if this would give me SOME idea:
Pull FAKO score for all three. Compare TU and EQ to actual FICO and maybe the EX would be the same ratio?
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Any thoughts?
Mar 022010
I have an old Ford account that is just killing my Ex. score. It is my opinion that they have been using the incorrect DOFD, so I disputed with Ex. It came  back verified. But they also reaged the CO date from 2/2006 to 2/2010. This dropped my FAKO about 70 points. I then redisputed, and included a letter from Ford I found around the house. It’s an old letter informing me the account is past due. When I redisputed with Ex, I shot a letter to Ford asking them to investigate the matter (DOFD) internally.
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I have not received anything back from the 2nd dispute, nor have I got anything from Ford. But I pulled my Ex today, and saw a new comment saying the account was verified in Mar. 2010. The CO date has also been updated again,from  2/2010, to 3/2010. The account is always listed asCharge-off/Never late. So apparently Ford has verified the info, and I just havent received the letter.
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Little things like this have been going on with this account for about 2 years. I just recently started getting aggresive with clearing information that is not accurate from my report.
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Are they able to move the CO date every month? Do I have the ability to demand an account history from Ford? If so, are there any example letters or should a simple request do the job.
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I view Ford as a credible company. The things they are doing are killing my report. But it almost seems as if this is a result of computer error and not something purposely being done. I can’t see how an account listed as ”charge-off/Never late” would get past human review. Regardless of why it’s happening, I need it to stop, and would love to hear any ideas anybody may have. In my letter to Ford asking them to investigate the matter, I requested they send me copies of all relevant documents they used to make their determination. I was hoping that would have been good enough to get an account history. Seeing that they verified the wrong information again, I doubt it was.
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This debt is past SOL, and no CA is collecting on it right now. I say right now, because about 8 months ago when I disputed something else with this account, I got a call from a CA. After getting a Dunning letter from them, I sent them a DV request and I never heard back from them.
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Thanks
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