I have come to the realization of throwing good money at score watch or any other company is a complete waste of money! My story:
last month credit karma showed my trans risk score to be 647(I know it's not real score)TU
signed up after the above score for score watch and paid the extra 15 bucks for trans union score--my fico showed trans union as 680
after buying the above TU score a baddie fell off--credit karma score went from 647 to 682--a jump of 35 pts
thinking this probably had the same effect on the myfico TU score--thinking it would jump up 35 pts to maybe 715 or so--not!!!!!!!!!
Applied for wallmart STORE card last week and got 600cl
got card in the mail yesterday and signed up on line----wallmart fico 642????????????????
Nothing has changed on my cr ---util 4%--tu inquires 2--confused,pissed off, and frustrated with whole process---rebuilding sucks!!!!
To be quite frank, I've always considered the myFico TU98 a FAKO! I don't think anyone uses it. The walmart FICO is a TU08 which is probably closer to the TU04 most lenders use.
You wouldn't be the first to notice huge differences btw your 98, 08 and 04. Cheer up though, I think in the end, focus on trends, your report itself (clean as possible) and letting lines age. The SCORE (which ever one it is) will reflect that in the end.
OP, you are comparing two different FICO scores....a TU98 and a TU08. Plus you are pulling at different times and things could have happened to your CR to influence the score like changes in util or a dropped collection (which can drop your scores in some examples...depends on the reporting.
I don't consider TU98 or TU08 a FAKO, but TU98 is used much more than TU08, or at least as of last spring. You are more apt to find a lender pulling TU98 than TU08.
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.
Minor vulgarity edit --Rev