Credit check total not so good.

[Anonymous]

@Anonymous wrote:

Credit Check Total changed their process. Now they only update once every thirty days. That is what they do for everyone. Experian is still updated daily.

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I didn't know CCT updates experian daily.. I am still seeing my old score from Nov 4th that I know for sure went up three points. Do I have to do anything special?

[Anonymous]

I think he meant the actual experian site. I have both credit check total, and the experian site subscription, and was bummed when cct changed to the once a month thing.

If you go onto the actual experian site, they will update the score everyday. hope that helps 

[Anonymous]

I've seen my CCT update Ex daily - not always at the same time tho - I've looked in the morning - got one score - and go back in later in the day and it will have changed.......

[Rebuilding69]

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@Anonymous wrote:

I've seen my CCT update Ex daily - not always at the same time tho - I've looked in the morning - got one score - and go back in later in the day and it will have changed.......

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Yep saw the same thing. EX score has changed twice a day a couple times now on CCT website. The time that it lets you see the new report seems to change as well. It's weird and I cant figure it out.

It's one of those Universal Mysteries...

[Anonymous]

How accurate is CCT? 

80 to 90%..?

[Anonymous]

My bank pulled the same exact score that's on CCT's experian score. So for me, at least Ex was 100% accurate.

[Anonymous]

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@OMW2_HighAcheiver wrote:

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@Anonymous wrote:

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@Anonymous wrote:

So i called to cancel CCT and got the $14.97 month deal so i stayed.   I specifically asked the lady if everything would be the same?  She said yes.   Well its not.   Now for scores and reports its once a month update not every seven days.  The only thing that updates daily is Experian.    I think i will come here to Fico.  I have to  tried to sign up for Fico 10 times and it says i have to call in for some reason so i have never joined. 

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So you'll trade all three reports and scores once a month for all three reports once a year with score updates "whenever"? Its also less than MyFICO when you get the discount. Going from three times a month to once a month was a bit of a disappointment, but its by no means a deal breaker when you compare the alternative - IMHO. As far as I'm concerned the only advantage MyFICO has right now is the additional scoring models.

Its never been every seven days - it started out as three times every thirty days.

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MyFICOis not once a year. It's every three months. 

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They may have changed it recently, or thats the 3B Ultimate. I had the 3B monitoring (not the ultimate) back in may/june, and it was a once a year pull for reports.

[Anonymous]

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@Anonymous wrote:

Or you could spend $3/month, get your report, and cancel CCT three times. Like someone mentioned they offer the same $1 trial after cancellation.

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That didn't work for me when I cancelled last month.  I've since reinstated my $14.97 membership.

I tried different emails and it didn't work.

[Anonymous]

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@Anonymous wrote:

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@OMW2_HighAcheiver wrote:

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@Anonymous wrote:

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@Anonymous wrote:

So i called to cancel CCT and got the $14.97 month deal so i stayed.   I specifically asked the lady if everything would be the same?  She said yes.   Well its not.   Now for scores and reports its once a month update not every seven days.  The only thing that updates daily is Experian.    I think i will come here to Fico.  I have to  tried to sign up for Fico 10 times and it says i have to call in for some reason so i have never joined. 

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So you'll trade all three reports and scores once a month for all three reports once a year with score updates "whenever"? Its also less than MyFICO when you get the discount. Going from three times a month to once a month was a bit of a disappointment, but its by no means a deal breaker when you compare the alternative - IMHO. As far as I'm concerned the only advantage MyFICO has right now is the additional scoring models.

Its never been every seven days - it started out as three times every thirty days.

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MyFICOis not once a year. It's every three months. 

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They may have changed it recently, or thats the 3B Ultimate. I had the 3B monitoring (not the ultimate) back in may/june, and it was a once a year pull for reports.

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Must be the ultimate, I still only get 1 a year. Still on the 1995 a month... Which will probably go away after next month when I hit my year. Between Citi, Discover, FNBO and somebody else I get plenty of score updates. And I pretty much know barring a derog or me paying my mortgage down to wherever the 1st score boost is I'm not moving a heck of a lot one way or the other for a good long while.

[takeshi74]

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@Anonymous wrote:

I didnt know MY Fico site only had reports every 3 months. 

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The info is on the Compare Our Products page:

http://www.myfico.com/Products/Products.aspx

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@Anonymous wrote:

Oh - and I get CK for the weekly updates to reports - just ignore the scores!

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Unless you know you have creditors that use the TU and EQ VantageScore 3.0's that CK provides.  Do not rely on oversimplifications such as "ignore CK's scores".

Relevance to a given creditor applies for any scoring model and CRA combo -- even FICO.  A TU FICO 8, for example, isn't going to be relevant for a creditor/product that uses EQ FICO 5.

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@Anonymous wrote:

How accurate is CCT? 

80 to 90%..?

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Do not rely on "accuracy" either.  All scores are accurate but only for their own scoring model.  You cannot use a score generated by one model to determine a score generated by a different model.  Always consider the specific model and CRA and the relevance of a given combo to a given creditor.

CCT provides FICO 8's.  A FICO 8 is a FICO 8 regardless of where you obtained it from.  A TU FICO 8 from CCT will match a TU FICO 8 from Discover, a TU FICO 8 from Barclaycard, etc -- provided that the report data was the same when the CCT, Discover & Barclaycard scores were generated.  If you're trying to compare it to a model other than FICO 8 and/or different report data (including different CRA) then you should expect different results.  Different scoring models use different algorithms that evaluate report data differently and can even have differing points scales.

CCT's scores are only relevant to creditors and products that use FICO 8's.  Not all creditors use FICO 8 and there are many FICO models in use.  See also the Understanding FICO Scoring subforum and its stickies.

In many cases you can find the scoring model info on the site:

https://www.creditchecktotal.com/

Credit score calculated based on FICO Score 8 model.

If not, check discussions here.