Sometimes I get credit notices from Credit Karma and Credit Sesame a full week before they pop up on MyFico.
Other than those occasional delays, you will get updates to your FICO on MyFico pretty regularly (Assuming you are actively using your credit). But you will only see updates to your FICO 08 scores. If you got the full package, all the other scores only update when you pull a new 3B report (mine is once a year).
I don't know if Experian shows you your FICO 08 or a different version of your FICO score. But credit card companies look at a different version than Mortgage companies, and your credit union may look at a 3rd version if you go for a loan through them.
Bottom line is that you may see a different score on MyFico than you see on any other service, but the MyFico scores I have found are USUALLY right in line with what most credit cards look at when you apply.
Although, if you are paying for MyFico, there's no reason to keep paying for Experian as well.
@Anonymous wrote:
Ok so I signed up for the FICO 3B monitoring on 01/30, and both FICO and experian had the same scores, today I received a credit increased from experian tracker, but nothing from FICO, will I get a credit score change alert as it happens or do I have to wait for the quarterly update? Or are FICO scores not the same as what the experian tracker would show, just trying to understand FICO, thanks in advance....
It's the same, they''re both giving you the FICO 8 score from Experian.
The Experian one just updates quicker. In my case it seems to take about 2 days for the MyFICO Experian FICO 8 to catch up to the one on the Experian site.
