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All 3 credit scores

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Anonymous
Not applicable

Re: All 3 credit scores

is creditchecktotal.com trustworthy? I tried to sign up, so I entered all my information including credit card and SSN, then I got an error message saying they had "technical difficulties", that my account had been registered but they didn't charge my credit card... then I check my credit card account online and sure enough they DID charge a $1 for the trial period.

I tried logging in but I can't, it says my account doesn't exist, now I suspect that when I call they'll tell me my account doesn't exist and 7 days later my credit card will be charded $30 anyway. Are you sure it's a good website? 

Message 11 of 25
Anonymous
Not applicable

Re: All 3 credit scores

Yes they are legit.  I've done over a dozen $1 trials and have never been over charged or been ripped off in any way.  I did get a similar error once, and it had to do with them not being able to verify my identiy (suffix on my name).  Call them up, talk to CS for a few minutes and they'll iron it out for you and you'll be all good to log in and use the service.

Message 12 of 25
Anonymous
Not applicable

Re: All 3 credit scores

Does CCT give live updates like CK?  If they do I would consider paying the subscription every month.

Message 13 of 25
Anonymous
Not applicable

Re: All 3 credit scores

The isse with me is that I have just recently moved, so the information hasn't been updated across all beaureus, therefore when I try one of those websites they get all confused. Some websites ask if you have recently moved within 6 months, so you can enter your old address, but not all, and even then the system gets confused or something.

How good is the Discover Scorecard? My score there is 742!

Message 14 of 25
Thomas_Thumb
Senior Contributor

Re: All 3 credit scores


@Thomas_Thumb wrote:

@iv wrote:

@Anonymous wrote:
Are you are? They're right on the dot with the score I got from Experian. Just got lucky I guess.

"Your credit scores are provided by CreditXpert, Inc. and indicate your relative credit risk level for educational purposes. They may vary between bureaus and are not the scores used by lenders. Your scores may not be identical or similar to scores you receive directly from credit agencies or other sources."

 

Not FICO.  Not even Vantage.  Meaningless.


From what I have read many service providers that include CreditXpert scores as part of their offering are affiliated and are managed by the same parent (ScoreSense). The parent has a reputation for misleading consumers and putting "unauthorized" charges on credit cards. Dropping a "free trial" service within the "trial period" can be quite difficult. There have been some class action lawsuits regarding unauthorized charges. Trilegiant Corporation, the parent of Fast3creditscores, has been subject to similar complaints and class action filings.

 

Some links relating to these issues are provided below

 

http://www.bbb.org/acadiana/news-events/bbb-scam-alerts/2014/11/bbb-alerts-consumers-to-freescore360.com/

https://scoresense.pissedconsumer.com/freescore360-redirect-to-scoresense-com-scam-20141119559569.html

http://www.complaintslist.com/credit-services/score-sense/

 

Note: CreditXpert is an independent company that offers an educational credit score to client companies. Their "what if" simulator is highly regarded by some loan officers in estimating effect of changes in an applicant's profile on Fico mortgage scores. The scoring model and CreditXpert are not part of the reported scams, it is some 3rd party users..

 


Well, I signed up for a 14 day PrivacyGuard  trial membership for $1 to get my CreditXpert scores and 3B report. If you are planning to get a mortgage - It's worth a look!!

 

I like the report and the "compare" feature which identifies account differences among the credit reports. Really a helpful tool - but not worth the $19.99 monthly fee. The CreditXpert algorithm (based on score results) appears to have some commonality with Classic Fico 04. I had 5 of 6 credit cards reporting balances on EQ and TU and 4 of 6 reporting on EX.  The lower EQ CreditXpert score relative to other CRAs is in-line with what I see with EQ Fico 04 score under similar circumstances.

 

I reviewed PrivacyGuard's CreditXpert score and simulator tool in more detail inthe mortgage section (link below).

 

http://ficoforums.myfico.com/t5/Mortgage-Loans/How-accurate-is-CreditXpert/m-p/4933059#M207123

 

CreditXpert scores 4-2017.jpg

 

 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 15 of 25
Thomas_Thumb
Senior Contributor

Re: All 3 credit scores

I found an older Fico 3B report wher I had 5 of 6 cards reporting balances across all 3 CRAs (aggregate UT at 3%). Pasted below are the corresponding Fico 04 scores - and yes I cut paste to show EX Fico 04 (score 3) instead of EX 98 (score 2) to maintain apples to apples comparison with CreditXpert.

 

I'm a bit taken aback by how close CreditXpert scores are to Fico 04 scores. [BBS - for a $1, 14 day trial you may want to get PrivacyGuard's CreditXpert scores and check out the simulator]

 

Scoring modelEQTUEX
CreditXpert783816824
Fico 04787815830

 

3B Fico 4 scores.jpg

Side note: pasted below for completeness is my corresponding EX Fico 98 score (score 2)

 

EX score 2 jpeg.jpg

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 16 of 25
EW800
Valued Contributor

Re: All 3 credit scores

Thank you very much for the information on PrivacyGuard, TT. I am likely going to give it a try for the 14-day trial.

Thanks again!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 17 of 25
Thomas_Thumb
Senior Contributor

Re: All 3 credit scores


@EW800 wrote:
Thank you very much for the information on PrivacyGuard, TT. I am likely going to give it a try for the 14-day trial.

Thanks again!


EW800, Go for it - I really liked the web site and PrivacyGuard is a good product for credit/fraud monitoring.

 

I did feel a bit guilty about cancelling after 4 days but cancellation is easy to do online - no requirement to talk with a high pressure CSR that tries talking you out of cancellation. They do send confirmation via email and allow you to keep access for the full 14 days for the $1 trial.

 

PG.jpg

 

 

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 18 of 25
Anonymous
Not applicable

Re: All 3 credit scores

Great find/info here TT!  I will definitely grab a trial in the next few days and see how those scores compare to my FICO 08 scores.  The feature that compares your reports sounds quite useful as well.

Message 19 of 25
Thomas_Thumb
Senior Contributor

Re: All 3 credit scores


@Anonymous wrote:

Great find/info here TT!  I will definitely grab a trial in the next few days and see how those scores compare to my FICO 08 scores.  The feature that compares your reports sounds quite useful as well.


BBS - CreditXpert scores are comparable to Fico 04 scores - NOT Fico 8 scores.

 

The CreditXpert model was developed over 10 years ago - long before Fico 8 came along. It is a good tool for "what if" simulations on how to improve mortgage scores - not overly predictive when applied to "modern" credit scoring algorithms."

 

P.S. As with VantageScore 4.0, Credit Xpert will be/has rolled out a trended algorithm. At this time that is not available to consumers.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 20 of 25
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