AZCLG a consumer rights firm located in Tempe

What is FAKO v. FICO?

By Rochelle N. Belnap, The Arizona Credit Law Group, PLLC

You may wonder what is this FAKO/FICO thing people keep blogging about. Up until last year, credit monitoring companies were selling you credit scores that companies like banks, car dealerships, and credit card companies were not using to determine your credit worthiness. These scores were not FICO scores, and anything not FICO is referred to as “FAKO” (fake-o).

FICO is a private company and the leading provider of credit scores in the US.  Companies rely on FICO credit scores to determine whether they should extend you credit for things like houses, cars, student loans, etc.

You have 3 FICO credit scores, one for each of the major credit bureaus (Equifax, Experian, and Transunion). The scores vary between each bureau.  Why? Because creditors report information differently to each bureau. FICO Credit Score

Companies, like credit card providers, are starting to offer consumers, aka you, access to your FICO credit scores for free.  You can now access 2 of your FICO scores for free through and you can buy all 3 from

This means that the FAKO/FICO issue is nearing an end because companies are giving you access to one of your FICO credit scores for free, and FICO scores are becoming more available.  Yay!

Hope you found this useful and Thanks for reading!


Need to know about your FICO Credit Score?
Please enter your name.
Please enter a valid phone number.
Please enter a message.


My firm has 3 goals – be cost effective & efficient, make complicated things simple, and change the way people think about attorneys. We do this by offering flat rates with payment plans, educating our clients, and by encouraging everyone to ask us questions to better understand what we do & why we do it. I am a credit attorney and I love helping people with debt and credit legal issues.

Reader Interactions

Leave a Reply

Your email address will not be published. Required fields are marked *