Score Bump With NO Change @ Freecreditreport?

[lmfields84]

Does anyone else pull daily?  I use freecreditreport(dot)com to monitor my husband's report, and today he got a 22 point increase (woo hoo!) but not a thing had changed.  What is weird is that in the "report summary" it shows 8 accounts reporting as of yesterday, and only 7 today- but on the actual report, there are still 8 accounts.  Balances are the same, his one collection that is awaiting deletion is still hanging out there, same # of inquiries... its just strange.  Any idea on what is going on?

[pizzadude]

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@lmfields84 wrote:

Does anyone else pull daily?  I use freecreditreport(dot)com to monitor my husband's report, and today he got a 22 point increase (woo hoo!) but not a thing had changed.  What is weird is that in the "report summary" it shows 8 accounts reporting as of yesterday, and only 7 today- but on the actual report, there are still 8 accounts.  Balances are the same, his one collection that is awaiting deletion is still hanging out there, same # of inquiries... its just strange.  Any idea on what is going on?

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I'd ignore the score, it's a FAKO, and just focus on the information on your reports.   If the info hasn't changed then it's likely his FICO score is unchanged.

[tomfromrictmame]

In addition to the well documented "usefulness"  of FAKO's, one has to be careful about the veracity of these third party reports.  The only true reports are those that are pulled directly from the CRA's; this includes the "reports" pulled here.  I'm not badmouthing, but I can show countless examples of information that appears on my official reports and not on third party (USAA, freecreditreport.com, myFico, EIDT etc.) and vice versa.  Right now my USAA report shows an OC TL on EX, and TU, while my actual reports show the TL on all three.  Caveat emptor.