So I have been doing the LUV button for almost a year now and I see that the scores they pull seem to either be a FICO 4 or a Fako Vantage Score. My real FICO is way higher then what they respond with score wise. I also noticed that they will use a old report up to 3 months in the past for CLI LUV button. Question is are they using the same FICO 4 for applications as well? Can anyone confirm a FICO 4 or a Fako for both? Pretty **bleep**ty that they if they use FICO 4 since it seems to be around a 80-100 point drop from the real fico in my case. Only reason for denial was the score.. Real FICO 660 and there score comes back at 588!!! for months now… Anyone?