Also your PFICO is showing your previous month's score, so if you have a lot of changes going on, it won't be current.
There is no such thing as a truly affordable way of keeping on top of your FICO's. The problem is that the CRA's (credit bureaus) charge a LOT every time your FICO is pulled, so myFICO can't come up with an affordable score monitoring service for all three scores.
This being said, here are your alternatives: FICO Credit Complete, which is a one-time pull of all three scores, and Score Watch, which is an ongoing monitoring service for EQ (Equifax) alone.) FICO scores are expensive to pull, but there is a current 25% discount code going: GOALS25. When you order FICO Credit Complete, enter this when it prompts you for a discount code.
Many of us use a trade-off. We use a 3-in-1 report monitoring service like TrueCredit to be able to monitor our
reports. The scores and the advice are
FAKO's! Please do not pay attention to them! Following their advice can seriously mess up your FICO scores. So anyway, we pull our reports a bit too frequently, and when we see something that we think should affect our FICO scores, many of us cave in and pull our scores.
Please realize: your scores are just potential numbers, floating around in space until someone pulls them. When they are pulled, they only show what is going on that very moment. If your creditors haven't updated the CRA's or if the CRA's haven't updated the reports, your scores won't reflect where you are at that moment.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007