FICO scores have not changed...

[Anonymous]

But, all my scores on other monitoring sites have? And, they've kinda tanked because of a recent app spree. My FICO scores are still good, though.

Which scores should I trust??

[CreditCuriosity]

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@Anonymous wrote:
But, all my scores on other monitoring sites have? And, they've kinda tanked because of a recent app spree. My FICO scores are still good, though.

Which scores should I trust??

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MyFico isn't know to be the quickest if you have the 3 bureau monitoring.. It needs ike a HP to trigger an update on a bureau or a limit increase/decrease aka statement cut etc., even after that it can take several days to reflect.  If you really want to know you would obviously have to pull your ficos scores from here..  The 3b monitoring is meh at best for real time updates.  Just my take.  For $25 if you don't need up-to-date stuff it is decent to have an idea of scores, other then that you gonna have to pull your report/reports.  It has alot to be desired.

[hawaii-girl]

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@CreditCuriousity wrote:

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@Anonymous wrote:
But, all my scores on other monitoring sites have? And, they've kinda tanked because of a recent app spree. My FICO scores are still good, though.

Which scores should I trust??

---

MyFico isn't know to be the quickest if you have the 3 bureau monitoring.. It needs ike a HP to trigger an update on a bureau or a limit increase/decrease aka statement cut etc., even after that it can take several days to reflect.  If you really want to know you would obviously have to pull your ficos scores from here..  The 3b monitoring is meh at best for real time updates.  Just my take.  For $25 if you don't need up-to-date stuff it is decent to have an idea of scores, other then that you gonna have to pull your report/reports.  It has alot to be desired.

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+1

[Anonymous]

MyFico lags a few days. I have both MyFico and Experian and MyFico reports the score change 3-4 days after Experian does.

[takeshi74]

This is a very common topic so don't overlook prior discussions.  Montitoring will require certain activity for updates.

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@Anonymous wrote:
Which scores should I trust??

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That's a twofold question (and another very common topic).

First off, the model you should "trust" is whatever model the creditor you're applying to uses.  While most creditors use a FICO model in their decisions they don't all use the same FICO model and the specific model will affect the score generated so you can't blindly "trust" one specific model.  You can't rely on a score generated by one model to determine a score generated by a different model even if both models are FICO's.  You should expect different algorithms to produce different results.

Second, the score generated most recently is based on the most current data in the report.  Your reports are not static and change over time so how recent the data is affects the score as well.

Keep in mind that it's the model, CRA and date of the data that all matter.  It's not so simple as" trust score X from Y all the time".

[takeshi74]

(nm -- dupe)