Credit scores....Hmmm

[Anonymous]

Right now I'm using 3 credit reporting/score accounts:

Today:

Credit Karma: (I know it's FAKO scores!)

TU 660

EQ 674

EX (Does not offer score here)

USAA Credit Check & ID Monitor (via Experian) I believe it's VantageScore?

TU 663

EQ 623

EX 650

Credit Check Total (7 day trail right now) using FICO 8 scores

TU 587

EQ 618

EX 592

and then there's my free FICO score from Merrick Visa account which stays stuck at August 14th (Don't know why it's not updating?)

TU 559 (August 14th)

So which is closer to accurate?

[Pway]

---

@Anonymous wrote:

Right now I'm using 3 credit reporting/score accounts:

Today:

Credit Karma: (I know it's FAKO scores!)

TU 660

EQ 674

EX (Does not offer score here)

USAA Credit Check & ID Monitor (via Experian) I believe it's VantageScore?

TU 663

EQ 623

EX 650

Credit Check Total (7 day trail right now) using FICO 8 scores

TU 587

EQ 618

EX 592

and then there's my free FICO score from Merrick Visa account which stays stuck at August 14th (Don't know why it's not updating?)

TU 559 (August 14th)

So which is closer to accurate?

---

Credit Check Total is accurate.  The remainder of those listed above are all Fako scores.  Credit Karma I just use them for reviewing my reports nothing else.

[Anonymous]

Thanks Pway! I think maybe I'll keep Credit Check Total to monitor my FICO 8 scores. MyFico cost $29.99 and the report/scores updates quarterly which doesn't make sense (unless I'm wrong?)

[Scupra]

---

@Anonymous wrote:

Thanks Pway! I think maybe I'll keep Credit Check Total to monitor my FICO 8 scores. MyFico cost $29.99 and the report/scores updates quarterly which doesn't make sense (unless I'm wrong?)

---

myFICO scores update as they change. You get a full report once a year

[Anonymous]

Before your trial runs out on CCT, call and cancel. They will offer you at least 12mos of CCT for 50% off. Good luck.