CCT showing true Ficos?

[Anonymous]

I noticed on Credit Check Total it shows my score and above it say Plus Score by Experian. Is that different from my Fico score? I thought CCT showed true Ficos.

[Anonymous]

It's a website glitch that happens every now and then. It's a FICO score. Trust me.

[Anonymous]

Oh ok! lol Thanks

[Schoolbuskid]

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@Anonymous wrote:

Oh ok! lol Thanks

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So the scores above are my REAL FICO scores...ones that  a lender might would use?

[takeshi74]

Don't rely on oversimplifcations such as "true" and always consider the specific scoring model & CRA as well as the relevance of a given combo to a given creditor.  CCT provides FICO 8's but FICO 8 isn't the only scoring model used by creditors.  If you have creditors/products that do not use FICO 8 then even CCT's FICO's will not be relevant for those creditors/products.  See also the Understanding FICO Scoring subforum and its stickies for info on the various FICO models used by creditors.  The model will have an impact on the number generated as differnet models use different algorithms that evaluate report data differently and can even have different point ranges.