topic Re: Credit Check Total vs Experian in General Credit Topics

Credit Check Total vs Experian

Anonymous — Sat, 11 Feb 2017 21:49:55 GMT

From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

Re: Credit Check Total vs Experian

MrsCHX — Sun, 12 Feb 2017 00:06:53 GMT

Yes. My Experian score is currently 39 points higher. However Experian is reporting 25% util vs 38% on CCT

Re: Credit Check Total vs Experian

Revelate — Mon, 13 Feb 2017 16:39:58 GMT

@Anonymous wrote:
From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

Should be the same for the basic scores on EX which are likewise FICO 8.

Like MrsChk's example, is the data precisely the same?

Re: Credit Check Total vs Experian

newhis — Mon, 13 Feb 2017 18:06:18 GMT

Could it be that they have different cut time? I mean, one could report everything until 2am today the other report until you login and may have different information?

If you have access to the report you can see if there is any difference.

Re: Credit Check Total vs Experian

SouthJamaica — Mon, 13 Feb 2017 22:05:10 GMT

@Anonymous wrote:
From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

My feeling is that experian.com is real time, and CCT is not.

Eventually I cancelled CCT, feeling that -- with experian.com and MyFICO -- I received no added value from CCT.

Re: Credit Check Total vs Experian

Anonymous — Sun, 26 Feb 2017 20:24:30 GMT

My scores are the same on both. However CCT refreshes upon login so it is accurate. CCT is also a product of Experian as others have mentioned. The bonus with CCT is that you get a 3 Bureau report refresh every 30 days opposed to Experian direct (Creditworks product) is EX only refresher every 30 days. CCT will still give u credit updates for all bureaus as they happen. I use CCT and My Fico and my scores are always the same (although Myfico is a lil slower depending on the type of update). Cancelled Experian direct