Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007
Re: Credit Monitoring Service (CMS) Guide

I'll add that if you wanted to compare for entertainment purposes, each time you see your PLUS score change, then come back to myFICO and purchase a new FICO report. Rinse and repeat when tracking these changes. You'll find that probably most of the time the scores move in the same direction. Other times they'll move in opposite directions (e.g. FICO increases and your FAKO decreases, or vice-versa). And other times one will stay the same while the other increases or decreases. For a fair comparison, you'll need to track it over a longer period of time. IME, I've had the scores come within a few points of each other. Other times, it's as muich as 30-50 points off.