CreditCheckTotal

[EW800]

I agree. Checking our reports and scores will likely be an entirely different landscape in a few years.

[crrredit]

And hopefully all our scores will be so high by then we won't be worrying about it. 

[kennerchick]

Oh My GOODNESS!!  I just did the $1 trial for hubby and his fico score is TU 533, Experian 496 and Equifax 512!  On Credit Karma it's 506 and 504 TU and Equifax!  CRAZY!!

Thanks for the tip of doing this! I need to do mine now!

[Anonymous]

Has anyone seen a difference in their scores from credit check total vs MyFico? 

I just signed for up the $1 trail and it is showing my EX as 17 points lower than MyFico is showing. EQ is also showing 9 points lower on CCT. TU is the same as MyFico.

I actually cancled MyFico monitoring but it is still active for another week until my current months payment runs out.

[Anonymous]

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@Anonymous wrote:

Has anyone seen a difference in their scores from credit check total vs MyFico? 

I just signed for up the $1 trail and it is showing my EX as 17 points lower than MyFico is showing. EQ is also showing 9 points lower on CKT. TU is the same as MyFico.

I actually cancled MyFico monitoring but it is still active for another week until my current months payment runs out.

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MyFICO probably just has not updated yet. They are notorious for being "behind" frequently because of the way their update triggering is set up. CCT pulls a fresh EX report and score each day you log in, and does not rely on report changes to trigger a score recalculation.

[Anonymous]

Hmm. I wonder what could have caused that much of a drop.  I don't see anything jumping out at be.  My utl had decreased a bit but I wouldn't think it would result in a 17 point drop. 

[Anonymous]

Started my trial earlier tonight and in a week or so I will call and see what they say.  Im brand new to all this stuff so is getting all 3 fico scores 3 times a month (ex daily) great? For $15 it seems so, especially for someone like me who has awful credit and just started rebuilding.  I don't even have scores yet because I have nothing in the past 6 months!  Does being an AU on a cc from july 2013 count as 6 month old credit? I doubt it since I am an AU as of yesterday unless my reports dont reflect it yet.  My dad hasnt used the cc since before I got authed so that could be why. 

[Anonymous]

And the deal continues...Just went through automated system... got 50% off for 5 yrs.. Thanks to everyone for this recommendation.

[Anonymous]

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@Anonymous wrote:
I find it really helpful to have the different score versions from myFICO. Does anyone miss that who switched to CCT?

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I'm not currently interested in applying for a mortgage so I don't miss the extra scores. Besides, they only updated either once a year or when we ponied up more money.

[Anonymous]

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@Anonymous wrote:

Started my trial earlier tonight and in a week or so I will call and see what they say.  Im brand new to all this stuff so is getting all 3 fico scores 3 times a month (ex daily) great? For $15 it seems so, especially for someone like me who has awful credit and just started rebuilding.  I don't even have scores yet because I have nothing in the past 6 months!  Does being an AU on a cc from july 2013 count as 6 month old credit? I doubt it since I am an AU as of yesterday unless my reports dont reflect it yet.  My dad hasnt used the cc since before I got authed so that could be why. 

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It's an excellent deal. No, the AU won't count as six months since you were just added.