03-05-2013 07:07 PM
So myfico just informed me that my score went from 728 in Feb, then 730 ($3 paydown and finally US Bank reported my 9K paydown....New score = 756!
I also paid off Capital One of 14K in the middle of February. I wonder why it's taking so long for that balance to show as paid?
I am signed up for monitoring with CreditSesame, Myfico, CreditKarma, MyCreditManager, Quizzle and Transunion. I know that's overkill, but I want to get a Business Rental Mortgage in a couple of months since the rent I get doesn't quite cover the mortgage payment. I still need to come up with the down payment or I would probably do it now. It was kind of exciting when I got the email from MyFico though about the score change. I wonder if this can become addicting. I probably need to narrow this list down a bit. Any suggestions on which sites are the most accurate and best deal for the information that you get?
MyFico EQ = 756 (CapOne paydown not showing up)
MyFico TU = 733
CreditKarma = 718 (Risk Score)
CreditKarma = 748 C (Vantage Score)
Quizzle = 704 I don't think I like this site much
Transunion = 746 C?? I think this is the vantage score.
CreditManager+ = 748 (Experian for US Bank)
CreditSesame = 712 (not sure about this one either, the information for some accounts shows from January...)
MyFico seems to be the only site that is aware that I paid down US Bank and all of these think I still owe CapOne 14K . Not sure what to make of all this yet.
03-05-2013 07:26 PM
03-05-2013 07:40 PM
Thanks. I don't really want to pay extra for duplication. I just didn't know much about these sites and which one I should trust.
03-05-2013 07:41 PM - edited 03-05-2013 07:42 PM
03-05-2013 07:53 PM
MyFico - the rest are not real scores. They serve their purpose but if you want an actual FICO- then stick with MyFico.
+1 I have equifax direct, freecreditreport,com for experian and both MyFICO Score Watch and TU Quarterly monitoring so that I can verify when things report.
Equifax lets me order unlimited Equifax reports directly from them for 4.95 this month. At the end of the month I am cancelling the Equifax though.
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