My latest Score Watch FICO score was 699, and I set up an alert for when my score reaches 700. Last week I received a letter from a bank, whose credit card I applied for, reporting an Equifax FICO score of 742. I was pleasantly surprised, but at the same time doubtful about the value of my Score Watch subscription. Can someone who is more experienced with Score Watch please inform me of a possible cause for this discrepancy? Is there a way to check the accuracy of Score Watch? 

Thanks in advance!

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