Credit Check Total VS. My FICO

sgs71 · ‎08-12-2015

My scores haven't shown an update since August 6th, however CCT has updated daily. There is a 12 point difference between my latest score from CCT than the last update from My FICO on 8/6....is this normal with My FICO?? If so I'm about to cancel it....not sure which is most reliable, please advise. Thanks

Anonymous · ‎08-12-2015

There is a large thread in this section where the topic is dicussed in depth. Search creditchecktotal. Sorry I don't know how to insert a link yet. Maybe someone can add it?

Anonymous · ‎08-12-2015

MyFico wont update the score unless there is a specific trigger. This is a list of triggers.

http://myfico.custhelp.com/app/answers/detail/a_id/463/kw/3-bureau%20monitoring/session/L3RpbWUvMTQx...

CCT updates your score every time you pull a new report which can be done 3 times a month. Depending on circumstances it could go either way with who you would see the score change first.

Anonymous · ‎08-12-2015

i have both and i am a big fan of CCT after using both for few weeks. plan on canceling myfico b4 my next subscription

Kidcat · ‎08-12-2015

I live in California and most creditors seem to pull Experian. For that fact alone I like CCT better, as that score/report is updated daily. I just cancelled Myfico subscriptions. I pull the 3 reports on CCT every 10 days or so, since you only get the other 2 scores/reports (EQ and TU) 3 times a month.

Last app 09/21/2021. Gardening Goal Oct 2023

Anonymous · ‎08-12-2015

I have both and prefer cct. CCT has daily experian and 3x monthly everything else, the only advantage to myfico is it gives you your mortgage enhanced fico score along with some other versions.

sgs71 · ‎08-12-2015

Thank you for clearing this up for me. I figured CCT was legit, I just wasn't sure why they were so different. Now I understand. I am also considering canceling my FICO subscription, but I do love having the app for my phone. I have so many crdit reporting apps on my phone lol The funny thing, my score from CK updated a 47 point bump on my score this week.....I know it's not real, but I like looking at it lol

elim · ‎08-12-2015

i use CCT for quick EX updates but have grown so attached to myFICO, i just can't seem to cancel. sooo, i use both.

Anonymous · ‎08-12-2015

I stuck with myfico. Tried the one week CCT trial and just decided to stick with myfico for now. Its a comfort thing lol.

takeshi74 · ‎08-13-2015

@sgs71 wrote:
The funny thing, my score from CK updated a 47 point bump on my score this week.....I know it's not real

Don't rely on such oversimplifications. VantageScore 3.0 is real. It's just not relevant unless you have a creditor that actually uses it.