Credit Check Total vs Experian

[Anonymous]

From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

[MrsCHX]

Yes. My Experian score is currently 39 points higher. However Experian is reporting 25% util vs 38% on CCT

[Revelate]

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@Anonymous wrote:
From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

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Should be the same for the basic scores on EX which are likewise FICO 8.

Like MrsChk's example, is the data precisely the same?

[newhis]

Could it be that they have different cut time? I mean, one could report everything until 2am today the other report until you login and may have different information?

If you have access to the report you can see if there is any difference.

[SouthJamaica]

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@Anonymous wrote:
From my understanding CCT is an Experian company. Has anyone else found their score to be different on between CCT and Experian's direct site? Both sites say my score was updated today but CCT is 6points higher for some reason.

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My feeling is that experian.com is real time, and CCT is not.

Eventually I cancelled CCT, feeling that -- with experian.com and MyFICO --  I received no added value from CCT.

[Anonymous]

My scores are the same on both. However CCT refreshes upon login so it is accurate. CCT is also a product of Experian as others have mentioned. The bonus with CCT is that you get a 3 Bureau report refresh every 30 days opposed to Experian direct (Creditworks product) is EX only refresher every 30 days. CCT will still give u credit updates for all bureaus as they happen. I use CCT and My Fico and my scores are always the same (although Myfico is a lil slower depending on the type of update). Cancelled Experian direct