Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Score Watch not updating?

HiLine wrote:

I officially received an alert today for an inquiry, and my score is the same: 699. So the difference is likely the result of various scoring models? Is the Score Watch score at least consistent with scores used by mortgage lenders?  I guess my Score Watch score is really useless if it completely fails to predict the score used by my potential lenders.

That alert rules out quite a bit. So either your score increased then decreased (not too likely), or a different score version was used by that CC lender. I suspect the latter.


If you applied for a mortgage tomorrow, your EQ from here will match your lender's score. Virtually all mortgage lenders use the Beacon 5.0 EQ FICO, same as on here.