Credit Check Total showing all scores the same :(

[Anonymous]

So I signed up for a free trial fo Credit Check Total, since TU is no longer letting you pull reports everyday. However in the trial when i went through and looked at my fico, it seemed as if it just took the experian FICO and used it for the other beurues as well. This was puzzling to me, but all three came back with 603, and this was my experian score two weeks ago at sign up, i know from TU that my score for them is 582 and EQ should be around 587.

Has anyone else had this problem with them, and also how close are their scores to Real FICO scores, anyone have any comparison, like is TU (even though its once a month now) closer to real FICO scores than CreditCheckTotal. Also when i tried to order a "New" report it tried to charge me 39.95, is this only cause I am in the trial period? After trial period, how much is the service that includes daily pulls?

[Anonymous]

Yeh, their scoring model is quite general when gathering the data. But for my TU, there is a 5pts difference, EX is 2pts difference, and EQ has a 7pts difference compared to my FICOs.

After your 7 days trial period, you can do the unlimited pulls.

[iamrayl]

The scores on CCT and TU are FAKOs, you can't make a comparison to the real FICO scores you get here and you should not follow the advice they give on improving scores since in some instances it can cause your FICO score to drop.  You can only pull daily after the trial is up.  HTH.

[Anonymous]

I'm having the same experience, I believe it's just for the duration of the 'trial period.'

[Anonymous]

Gotcha, thanks for the help, still got one more question, how far off from real FICO is CreditCheckTotals FAKO's, and thanks for the advice about not going with what they suggest, I learned that the hard way about a year ago, now I follow what's being said on here

Basically what I am trying to acheive is to see if the difference in TU FAKO's from real FICO is greater or smaller than CreditCheckTotal FAKO's. Then based on that I would see which one I wanna keep, so that I am getting the closest scores to my real FICO? 

By the way is there any credit monitoring (i.e. monthly service) that is relatively inexpensive and gives you real FICO scores?

[Anonymous]

Haha, I've heard a difference of 100 points.

And yes, MyFico offers ScoreWatch which monitors your Equifax report and updates your FICO score any time theres changes reported. The service is 8.95 monthly. 

[Anonymous]

Hey thanks, I will look into that, anybody know of an experian FICO monitor though, I live in AZ and it seems like everybody here only pulls EXP, and rarely TU, my equifax has like 7 inquiries in the past two years and exp as 21, with TU standing at about 15. Even the local credit unions here all use experian. I had a subscription to freecreditreport.com (run by experian) but I think that too is a FAKO

[Anonymous]

No problem. Unfortunately at this time, there is no FICO monitoring for EXP. Only thing you can do is buy the EXP score directly from here.

[cc29]

Can you buy the score only from MyFico, or do you have to get the score and the report together?

[Anonymous]

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@cc29 wrote:
Can you buy the score only from MyFico, or do you have to get the score and the report together?

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Its a full report and score. TU and EQ also offers a FICO future score simulator while EX doesnt. Pretty neat feature.