Util at 70% = Ex: 585 and FICO:616 -- how often should I check for updates and through what sources?

[Sk323i]

My Experian score on 10/10 was 585 -- directly from Experian for $7.

I paid 2 cards down to 0 and got my util down to 70%. 

My FICO score today was 616.

I'm not sure how to get an updated Experian score -- or if I should even be checking it - if it will be a negative inquiry?

What is a more representative of my actualy score? The MyFICO or the Experian?

Next month I plan on getting my util down below 45% and hope that will increase my score with Experian -- but im cautious about how often I check for my scores and through whom.

Any advice? Thank you in advance!

[baller4life]

Experian Credit Tracker is a Fico 8 score. I signed up for the monthly service and can pull my EX report every day plus updated score for $19.95 per month. The first month is $9.95. It is only a soft pull. So it does not count towards your inquiries. They also have an app that is really awesome!

[Anonymous]

MyFico is the actual score, Fico 08, Experian is a different version but can't remember which one. Any report you pull won't be a negative, and I assume it's the same for scores. I don't know much about MyFico with regards to how often they update scores. I use CCT for that. It updates Experian daily (sometimes there is no change though) and you can pull the other 2 CRAs once every 30 days. They have a 7 day trial and if you cancel prior to the end of the trial through the automated system you can get it half price for anywhere from 1 year to 5 years.

[Anonymous]

Cct has a promotion where you can use their 7 day free trial for $1 and get all three of your CRA Fico8 scores. If you cancel they will offer you 50% off so you can get all three scores once a month for about $15, and your Experian report and score every day. Also FYI , it is never a hit on your score to check your reports yourself.

[baller4life]

CCT and ECT are both owned by Experian. Both provide Fico 8 scores. Same as Myfico. I personally prefer Experian Credit Tracker because I'm an app girl. CCT doesn't have one. I can pull my TU and EQ weekly thru CK. So ECT only providing EX wasn't a deal breaker for me. But everyone is different.

[Sk323i]

what is CK?

how far down should I get my Util down before applying for a Barclays or Quicksilver?

[Anonymous]

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@Sk323i wrote:

what is CK?

how far down should I get my Util down before applying for a Barclays or Quicksilver?

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CK is Credit Karma an online credit monitoring site that gives you weekly copies of your Equifax and Transunion credit reports and Vantage 3 scores.  Utility under 30% and scores over 650 should work.

[Anonymous]

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@Sk323i wrote:

My Experian score on 10/10 was 585 -- directly from Experian for $7.

I paid 2 cards down to 0 and got my util down to 70%. 

My FICO score today was 616.

I'm not sure how to get an updated Experian score -- or if I should even be checking it - if it will be a negative inquiry?

What is a more representative of my actualy score? The MyFICO or the Experian?

Next month I plan on getting my util down below 45% and hope that will increase my score with Experian -- but im cautious about how often I check for my scores and through whom.

Any advice? Thank you in advance!

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It depends on which Experian product you are using. Some of them are Vantage scores and some are FICO scores. I personally would recommend going to Credit Check Total (its Experian), where you can do a 7 day trial for a buck and get all three of your current FICO 8 scores. CCT will let you pull a new Ex report and FICO score daily, and the other two scores/reports monthly. If you call to cancel the service before the 7 day trial ends they will offer it to you for $14.95 per month - a 50% discount.

[Anonymous]

Credit check total for shizzle