Re: USAA Score Monitoring
09-21-2012 12:07 PM
Well, considering some things that would make your USAA FAKO (PLUS) score go up, would actually make your FICO go down (and vice-versa), they really have no bearing on FICO reality. It is nice to see an upward trend, over time, but short term gains/losses really don't mean much.
The scores use a totally different formula with completely different criteria. I wouldn't count on them for anything.
It used to be a good source to refresh your report daily, but that's about to get more expensive.
Just my $0.02
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695