I never cared or knew much about anything in reference to credit scores until coming [to the FICO Forums]. Looking back, I’ve gotten car loans with no money down even while having a car loan at the time. I did not even know my score at that time smh. I’m glad, I know more now because having good/excellent credit improves your quality of life. I knew FAKO scores were fake by reading and researching.

Score Comparison

Non-FICO Credit Score


516 from Transunion

Obtained from Credit Karma


589 from Transunion

Obtained from