Credit.com makes me laugh.

[Itgem679]

I pay for all of my scores via Experian.com but I also have logins to both Equifax and TU and I know what's on my credit report. I've never understood these 'sites' that use Vantage 3.0 or give a snapshot that is less than complete.

I'm still mid-range 700's according to Experian (I just refreshed my scores), but Credit.com says I'm in the bottom 24% of the U.S. and that I only sit at 644, even though it recognizes I have 'zero credit card debt' and 'no missed payments'. 

I feel bad for someone using Credit.com for 'real' information when I feel this site is severely lacking.

Thoughts?

[Anonymous]

My Vantage 3 scores tanked after 3 new cards were registered on those bureaus like -30 whereas Fico, only -4. 2 more to go though 😅

[Itgem679]

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@Anonymous wrote:

My Vantage 3 scores tanked after 3 new cards were registered on those bureaus like -30 whereas Fico, only -4. 2 more to go though 😅

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Honestly, there's no advantage to using the Vantage scores imho. 

Congrats and good luck on the cards you have gotten and are shooting for!

[PNWRambler]

CreditKarma is the same way.  These sites are guessing, and usually do a poor job of it.  But I do find it a useful tool just due to the breakdowns of all my accounts ages, utilization percentages, etc... I just don't trust the estimated credit scores. 

[FireMedic1]

Dont rack your brain around these Vantage sites. You got access to FICO and go by those numbers. Vantage I've lacked 20-30 pts since BK. I dont put anything into it. Good for alerts and thats bout it.

[MrFiah]

I laugh at paying for all 3 bureaus from Experian.  TU and Equifax are updated monthly, unless you pay more for a refresh.  You can also get a new free trial every month as well so it makes no sense at all to pay for Experian's "extra" 2 bureaus.  

If I was going to pay for either credit.com or Experian, it would definitely be credit.com.  On credit.com, you get 28 FICO scores, Experian only provides the FICO 8's of TU and Equifax.

[House1204]

Credit.com gives fico scores. 

[Itgem679]

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@MrFiah wrote:

I laugh at paying for all 3 bureaus from Experian.  TU and Equifax are updated monthly, unless you pay more for a refresh.  You can also get a new free trial every month as well so it makes no sense at all to pay for Experian's "extra" 2 bureaus.  

If I was going to pay for either credit.com or Experian, it would definitely be credit.com.  On credit.com, you get 28 FICO scores, Experian only provides the FICO 8's of TU and Equifax.

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It's an incomplete picture, though. I just sign into each - Experian, TU, Equifax.com - and see everything there. Even though Credit.com does use Fico scoring there is a lot missing from the report(s) they provide.

[Itgem679]

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@House1204 wrote:

Credit.com gives fico scores. 

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Yes, they do but the report is incomplete. 

Just what I found when I went to Equifax.com/Transunion.com/Experian.com vs. Credit.com

[Horseshoez]

What about the credit.com ExtraCredit subscription is incomplete?  I ask because I subscribed to ExtraCredit for about 6 months, and then to myFICO Premier plan; I found there were very few (and basically irrelevant) differences, errr, that is except ExtraCredit costs $15 less per month.