Amazon FICO score

[ralvarez2678]

how accurate is the FICO score from Amazon card? it shows i'm at 651 right now and not complaining at all since i had to rebuild from low 500's a couple of years ago.

i was just curious that's all. thanks in advance

[Anonymous]

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@ralvarez2678 wrote:

how accurate is the FICO score from Amazon card? it shows i'm at 651 right now and not complaining at all since i had to rebuild from low 500's a couple of years ago.

i was just curious that's all. thanks in advance

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Quite accurate, because it's a Transunion FICO 8 score. Do take note, though, that that score is only updated once a month, so it's entirely possible for the score to be correct on the day it was pulled and out of date a few days later (happened to me last month, in fact; it was 640 on May 30th when Discover pulled, 643 when Synchrony pulled a week or so later, and 646 when Apple FCU pulled on June 17th).

[Anonymous]

So this question/answer pertains to the synchrony card ... I've never seen a FICO score available on my Chase Amazon account.

[ralvarez2678]

sorry for the late reply but you were right joe8185 as my score went down to 648 after it updated.

thanks for the info.

[Anonymous]

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@ralvarez2678 wrote:

how accurate is the FICO score from Amazon card? it shows i'm at 651 right now and not complaining at all since i had to rebuild from low 500's a couple of years ago.

i was just curious that's all. thanks in advance

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I believe it is accurate at the time they pull your credit report.  Though as others have said it can be out of date the very next day.

[Anonymous]

ALL FICO scores are accurate.  There are 3 variables that go into the score.  The scoring model, the credit bureau data used and the point in time that the score was generated.  If these 3 variables are the same from 10 different sources, all 10 sources will provide you with the same exact score.  I think often people think that the source matters with respect to the score provided, when the source has nothing to do with it, but rather the 3 variables listed above that the source uses to generate that score.