Credit score increase?

[Anonymous]

So tonight I get a alert that my credit score has changed.  I have the 3 bureau Monitoring through Myfico,  It showed as of today the alerts for my Equifax account, and it showed my score going up 38 points. I thought this was weird out of nowhere. So I decided to buy a report from Equifax directly, and the score as of today was way lower than the updated myfico score.  I don't understand.  It showed all positive changes on myfico update, why the difference though ?

[junebug225]

Two different scoring models.

[Anonymous]

Ah I was confused, sorry.  So which one should I be more concerned at? The Fico EQ went up 38 points, and the Original EQ jus stayed at its score no raise,

[junebug225]

I would say neither is a concern. Both scores have different factors  so something change on your report the Fico08 liked and it may not hold as much with the other model. Keep doing what you are doing. Congrats on the increase.

[Anonymous]

Thank you, I am reading up on things, and doing everything I can to get my score to a respectable number.  In July 2014, I was hit by a Drunk Driver, I spent 3 weeks In the IMCU and I suffered a Traumatic Brain Injury,  so I have plenty of time to just soak up information.  Im determined to get my score up. I had a BK discharged last December my score is at 628, and today I lowered the my credit card balances -all 4 of my cards combined, $300 Balance out of $1450.00 .  I also became a AU on my stepdads 4 year old Credit card with a 15k credit limit, and all positive on time payments.  I love this stuff, it intrigues me.

[Shokk]

Congratz on surviving and getting better!  Everything else is secondary to that!