topic Re: 3b report vs real time. in Understanding FICO® Scoring

3b report vs real time.

Anonymous — Fri, 30 Nov 2018 15:15:55 GMT

I just received my new updated 3b report. Why is my real time scores higher then the 3b report? Which one should I go by?

Re: 3b report vs real time.

Revelate — Fri, 30 Nov 2018 15:39:26 GMT

@Anonymous wrote:
I just received my new updated 3b report. Why is my real time scores higher then the 3b report? Which one should I go by?

Actually the report is more real time than the monitored FICO 8 scores, at least at the moment that it's pulled.

myFICO will update your real time FICO 8 scores with the report ones in my experience.

Re: 3b report vs real time.

Anonymous — Fri, 30 Nov 2018 15:42:17 GMT

Ya I’m not sure. Cause my real time is pretty different like 20+ points on one. So not sure why the real time is higher than my report that just came out.

Re: 3b report vs real time.

Anonymous — Fri, 30 Nov 2018 15:45:37 GMT

Actually I’m an idiot. I was looking at my old report and I didn’t hit redeem on my new report. Everything is matching up now. Sorry for the trouble

Re: 3b report vs real time.

RonM21 — Fri, 30 Nov 2018 16:18:23 GMT

@Anonymous wrote:
Actually I’m an idiot. I was looking at my old report and I didn’t hit redeem on my new report. Everything is matching up now. Sorry for the trouble

Stuff happens haha. It's godd that you were checking though, becasue you never know sometimes.

Re: 3b report vs real time.

Anonymous — Fri, 30 Nov 2018 16:59:55 GMT

All reports/scores should be time-stamped in one form or another. If a variance exists between the two reports/scores, it's simply because the time they were generated is different. This is of course assuming that the bureau data and scoring model are a constant, which in this case they are.