Besides Score Watch I use National City Identity Protect (True Credit).
I spoke with TU a few days ago to change the coing on an account that was in a DMP. I get a new report on NCIP today to see if the change was made and discovered that my FAKO TU score went up 14 points.
Great, I thought since I only needed 4 more points to get to 760, so I paid for my TU report ehere and NO CHANGE. They only other change to me TU report was that a CC balance when from just above 50% to just below 50% and another card reported 1.7 % util which is now PIF.
Boy was I bummed, The moral here is that I wont pay for me score again until I see a Score Watch Alert or I know that my only remaining CC balance is under 10%.
It seems FAKO TU is more sensitive to CC balance changes then the real FICO. I should have known. I just wanted 4 more fargin points.
Maybe next month.
1/25/2021: FICO 850 EQ 848 TU 847 EX