@Anonymous wrote:
Hello all!
From reading the boards here, I found many suggesting to have your scores pulled from Credit Check Total. I signed up for it this morning and found their reports totally off. It's odd that so many who post here suggest that CK scores should not be trusted, but my reports on CK are all updated correctly. The only score that is the same is Experian, as I compared directly from the Experian site. I'm stating this to say that specific sites should be suggested with the YMMV disclaimer as well. Sure, it's only $1 but we need a true picture of our situations coming out of BK and CCT shouldn't be promoted as the holy grail for credit scores. If anyone can explain why there would be such a lag in CCT's information vs other sites, please help.
Right now, the best option I see is to Pay the fee & Go directly to the source!
CH 7 Filed 6/7/17
DC'd - 9/14/17
CCT (Trans) 490 (Equ) 535 (Exp) 579
CK (Trans) 659 (Equ) 662
Credit Wise (Trans)- 659
Experian- 579
I'm not one who recommends Credit Check Total (CCT). Yeah, great deal for all 3 Fico scores for a buck, but with the Equifax data breach & so many folks calling in to freeze or other questions you'll be on hold for at least 45 minutes to cancel and avoid the outrageous $29.95/mo. fee.
But the key here is that CCT - and Experian - art FICO scores, the score the vast majority of lenders use to make lending decisions. Credit Karma and Credit Wise are Vantage scores, which can be useful for free scores in seeing improvement in your credit profile, but almost no lender will ever use in deciding to extend you credit.
That's why your CCT scores don't match the CK & Cap One scores. But CCT scores are accurate.
