@Anonymous wrote:I am currently using MyFico score watch and although my scores seem correct the other account details provided dont as far as utilization, derogatories, etc. Also, I recieved an increase on my Macys card a few weeks back and Credit Karma seems to have picked it up already but not MyFico? Should I expect only the scores to be up to date and correct?
I also had 2 public records removed from my CRs which Credit Karma no longer shows but MyFico still does?
Another example is, Credit Karma shows my utilization at 30% but MyFico shows 80% for all 3 CBs?
I want to apply for another card but not sure which information I should trust... My wife also added me last week as an AU to her new Venture card with $10k limit to help with utilization but am not sure if I should wait for that to report because i have no idea when it will report to my credit report.
Any and all help is appreciated. Thanks all!
If the CK info is later in time than MF then its most likely correct. It really doesnt matter if MF updates or not as long as you know the info is correct on the CRs then app, your score is a snapshot in time based on whats in the CR at that moment. A new Cap-1 account takes 2 statement cycles to show on CRs your choice if you want it to help your util.
