@Rebuilding69 wrote:My tracker literally still shows the same old info from months ago. It's on par with how slow MyFico is on updates.
In my slightly over a month(currently) with each, I can say about the same. It may still be my original score, whereas the TU on MyFico has updated a few times, although less and more slowly than the other 2 bureaus. (I was quite busy that first month, with kind of a slow motion app spree, and trying to make sure I showed up as an AU on a card. I kind of felt like it was a video game of sorts).
I'm not sure I'd go as far as to call it worthless, however. Personally, I'd have to take more time before I reach any conclusion. At this point I certainly wouldn't rely on it for any important decisions, but otherwise it's too soon for me to have a solid opinion, personally.
As others have alluded too, the scores can be accurate for whatever model generated them, at that time. However, I've experienced a bit of frustration and curiosity during my first month watching the TU. Who knows how many changes it went through before it refreshed? It was kind of humorous to see myfico report an iquiry and see my score increase.
On the myfico 3b, it was interesting to see all of the other FICO scores, and how some had me rated more highly in terms of catogy("good"), then the fico 08's. On that note:
I'm relatively new around here, and am curious if there is a post/thread that lists which scoring models each lender uses for their products? I don't like to suggest anything new without asking such things, because on another board I was treated quite abusively when I did.... so I will make sure to ask first if such a compilation exists. I was a bit surprised to find out what Barclays used, and it surely wasn't fico 08. 
