Valued Contributor
Posts: 1,488
Registered: ‎08-30-2011
Re: Accuracy of MyFico Scores?
[ Edited ]

dyneemo wrote:

But THIS website ( should give an accurate snapshot of my actual credit FICO score...but it doesn't...



Sorry to disagree, but YES it does.  It gives an accurate snapshot of your credit at the time of the report.  This is constantly changing as others have pointed out.  A credit score is very fluid, it can change...or not.  There's more than enough documentation from users here and at other forums that the EQ score one gets here is frequently a match of the EQ score that a lender pulls.  To guarantee that a score is exactly the same between what a consumer pulls and what a lender pulls, they would have to be at exactly the same time/date, and from the same source.  And even then, there IS NO guarantee that they are going to match exactly. 


Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15