apandabear wrote:
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
Yes I totally agree. My recent example, I got a furniture store account that I maxed out and USAA EQ fako dropped 25pts but my EQ myfico only dropped 7pts. That was the only change that posted to both accounts this week.
Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?
March 2013 scores EQ:661(myfico)/TU08(walmart):649/TU98(myfico):661/ EX:636(Amex pull)
Goal: 700's and prime cards...trying to garden
in my wallet: Ashley$3000/American Sig $2500/Chase Freedom$1700/Kanes$3500/Cap1 cash rewards$1500/SSFCU$1500/Walmart $1350/JCP$1341/CareCredit$1000/TJX $1350/Paypal$500/ Cap1 Plat$750/Victoria$550
