BOA privacy source vs Myfico

[cd2004]

I just signed up for the BOA privacy source over the weekend and my EQ score is only a 1pt difference from myFico. However my transuion is 31pt difference but I dont get a new score from Myfico until 2wks and the last one in 9/11 was 624.  I only ask because I was using their score simulator and it said if I pay off my 2 large charge offs from 2008 then my score will drop 36pts. The myfico score simulator does not allow me to customize it so I can add the balance of the bank charge offs because it does not show the tradelines under my delinquencies or revolving debt. Do they have the same scoring system?

[MarineVietVet]

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@cd2004 wrote:

I just signed up for the BOA privacy source over the weekend and my EQ score is only a 1pt difference from myFico. However my transuion is 31pt difference but I dont get a new score from Myfico until 2wks and the last one in 9/11 was 624.  I only ask because I was using their score simulator and it said if I pay off my 2 large charge offs from 2008 then my score will drop 36pts. The myfico score simulator does not allow me to customize it so I can add the balance of the bank charge offs because it does not show the tradelines under my delinquencies or revolving debt. Do they have the same scoring system?

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None of those scores are FICO's. In fact there is no 3 in 1 monitoring service that sells FICO scores. The fact that the EQ scores were so close is just coincidence.

Edited for another dumb typo.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[cd2004]

ok thanks so I will not pay attention their simulator or scores. I just needed a place where I can keep track of what is on all 3 reports to monitor deletions from EX and TU.

[Anonymous]

Any of the credit monitoring services will do to track corrections to credit reports. Be careful of terms of service and make sure you are getting a fresh report in the time frame you need (e.g.., daily, weekly, etc.). As Marine said, just ignore their scores and advice. They are not FICO and unlikely to be used by any lender.