#triple credit report
Most of the scores, and all of the scores by experian are fako. Meaning educational purposes only and fake scores.
If anyone knows of any daily monitoring for experian and/or all 3 bureaus let me know too please! I’m okay with fako scores. Just need it for guesstimates
Are you sure “ALL” the scores are Fako with Experian? You probably know that Experian does have a credit score that is real. Did you mean to say that third party sources “ALL” have Fako scores? I pulled my score from CreditCheckTotal right after joining the main Experian score site for their 7 day free trail period and was happy to see that the scores matched 100% with the Experian score on CreditCheckTotal. But of course they are owned by Experian so seeing exact scores in this situiation is no shocker.
Experian does not sell FICO scores to consumers anymore. You can only get an Experian Fico score through a lender pull. Letters of approvals/denials have your Experian FICO scores on it.
Other than that, even products purchased from Experian directly, are FAKO.
At the bottom of the page, it says ” Calculated on the PLUS Score model, your Experian Credit Score indicates your relative credit risk level for educational purposes and is not the score used by lenders. Learn More .”
In summary, Experian has a credit score that is real, but you cannot buy it.
With regards to Equifax and Transunion, third party sources can have BOTH REAL FICO and FAKO scores. It depends on the site itself.
Reading the same FAKO score shouldn’t be a surprise, especially if they’re based off the same exact formula.
Transunion can get a bit confusing for people because they have so many different formulas for FAKO.