Discover Card Offering Credit Watch, But i have a Question?????

[Anonymous]

Hey i recently opened a discover card and they are offering me a credit watch on my experian credit report and score for 7.99 a month, price is not the issue but they are saying i also recieve my score. Is this possible i thought they wernt doing EX score anymore but she assured me my score was included? How accurate will this score be?

[Anonymous]

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@Anonymous wrote:
Hey i recently opened a discover card and they are offering me a credit watch on my experian credit report and score for 7.99 a month, price is not the issue but they are saying i also recieve my score. Is this possible i thought they wernt doing EX score anymore but she assured me my score was included? How accurate will this score be?

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It's not a FICO score so, not good for much   It could vary widely from the FICO score, go up when the FICO score goes down, and go down when your FICO score goes up.

[Anonymous]

A lot of places use EX.  CCCU,VERIZON, to name a couple. They were never crazy about cooperating with MY FICO to begin with so I'm not surprised they are on their own.  Also when I rented my apt. they used them.  I use credit expert since they update faster and unlimited pulls. 

Message Edited by casinoannie97 on 04-25-2009 06:30 AM

[Anonymous]

just to get it straight, i thought credit watch was EQ.  credit expert is EX.   Any one?????

[BungalowMo]

Credit Expert is Experian: http://www.creditexpert.com/   (FAKO)

Credit Watch is Equifax :http://www.equifax.com/credit-watch-gold/  (FICO)

Unless you get your Experian score from a mortgage lender or other such authorized hard inquiry...it's a FAKO