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Don't understand score change

Established Member

Don't understand score change

I am signed up for myFico Score Watch and also CreditCheck Monitoring through USAA (Experian). Yeah, why the two... I originally signed up for myFico, then found that I could get all three scores through USAA pretty cheap.

 

I've recently mailed off lots of disputes to all the credit bureas. Today I got a notice by email from myFico Score Watch that my score has changed. I logged-in and it says it dropped from 572 to 559. Only thing that changed is in the comments of 8 accounts it now says...

 

Consumer disputes - reinvestigation in process
Amount in high credit is original charge-off amount

 

 

 

Why would this decrease my score?

 

And why didn't this change in all the accounts i disputed? I disputed 14 accounts through Equifax, all sent together in same certified letter.

 

Weird part about this is that the myFico score is suppose to be Equifax credit score, correct?

 

On USAA's CreditCheck Monitoring (through Experian) my Experian score has been 572, but my Equifax score has been 582. MyFico Score Watch is saying my Equifax score was 572. Yeah I know... they both suck, but not sure why I'm paying for these if they aren't accurate.

 

Anyone have a clue why the difference?


Starting Score: EX 536 EQ 540 TU 536
Current Score: Aug 2013 EX ? EQ 666 TU 683
Goal Score: 700


Take the FICO Fitness Challenge
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Don't understand score change

The scores you are getting from USAA are fake, we call those FAKOs.  There are no creditors whatsoever that use those scores.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Established Member

Re: Don't understand score change

Thanks Shogun for the info... guess that's a waste. Is the info on each credit report accurate?


Starting Score: EX 536 EQ 540 TU 536
Current Score: Aug 2013 EX ? EQ 666 TU 683
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 4
Highlighted
Moderator Emeritus

Re: Don't understand score change

Don't get me wrong, the info on them is great.   As far as a monitoring service, USAA and several others are great.  Just don't rely on their scores.  Can be as much as +/- over 100 points to your actual FICO.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4