CreditCheckTotal

[Anonymous]

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@sylviagarcia wrote:

Ok.. I just signed on and I have another question :/  sorry... 

My Fico Score for Equifax is 653 at CCT... but I'm concerned with why its different than what I see reflected on the Equifax.com credit monitoring.. Because with Equifax.com it tells me that I have a 602... Now I'm certainly not complaining about the better number here.. I just want to make sure which number is correct as I'm keeping track of my EQ due to my accounts I have with NFCU and from what I know they use EQ exclusively....

Thanks

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Hey,

Equifax.com Credit monitoring  provides you  EQ04 FICO  score (also called Beacon 5.0 )  , which is commonly used for mortgage applications . 

CreditCheckTotal provides you FICO 8 scores for all three bureuas (Transunion , Equifax and Experian) . It is same as the score you obtain from myFICO for all three credit bureaus . FICO8 scores are commonly used for credit card lending . 

Hence the scores that you see in CCT is different from Equifax.com , as they are different credit score models . 

[sylviagarcia]

Aahhhh I see..

So if NFCU pulls my EQ cr they will be having the Fico 8 score ??

Thanks so much

[Anonymous]

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@sylviagarcia wrote:
Aahhhh I see..

So if NFCU pulls my EQ cr they will be having the Fico 8 score ??

Thanks so much

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If NFCU  generally pulls EQ04 model , then they should see 602 (score seen on equifax.com)

If they pull EQ08 model , they should see 653 (score seen on CCT) .... It will highly depend on which of these two credit scores they are pulling .

[kennerchick]

They charged my husband $49.95 for 3 credit reports he didn't order and screwed up our bank account!! I am disputing it of course.

[J91605]

Believe it or not I'm pretty sure the EQ web site is a fako! CCT is correct of that I'm sure.

[sylviagarcia]

Ohh ok.. I will be researching which one they pull.. Thanks for all the feedback and explanations

Have a wonderful day.

[Anonymous]

I was curious if there were any score differences with CCT and Myfico.  So, I had them overlapping last week so I could compare.

Result - Same Fico 8 scores on both.

With the $14.98 deal for 5 years deal, I simply couldn't pass up.

[Anonymous]

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@MzOptimistic wrote:
Nicelle,

I signed up for CCT last week. I made a post about MYFICO not updating my scores in a timely fashion for me and someone mentioned CCT. I'm getting my scores updated more frequently now versus MYFICO.

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Glad I'm not the only one! I love the Forums, so so so helpful, but MyFico hasn't seem to be updating at all. I seemed to get more updates with Score Watch before it upgraded me.

[Anonymous]

I tried doing this same thing but they just cancelled it I'm thinking they didn't offer the 50% off cause I also have experian credit tracker. Experian is the owner of both services so I'm thinking you only get that really awesome deal if your trying to cancel and only have one service thru them 😞 bummer

[Anonymous]

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@Anonymous wrote:

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@sylviagarcia wrote:

Ok.. I just signed on and I have another question :/  sorry... 

My Fico Score for Equifax is 653 at CCT... but I'm concerned with why its different than what I see reflected on the Equifax.com credit monitoring.. Because with Equifax.com it tells me that I have a 602... Now I'm certainly not complaining about the better number here.. I just want to make sure which number is correct as I'm keeping track of my EQ due to my accounts I have with NFCU and from what I know they use EQ exclusively....

Thanks

---

Hey,

Equifax.com Credit monitoring  provides you  EQ04 FICO  score (also called Beacon 5.0 )  , which is commonly used for mortgage applications . 

CreditCheckTotal provides you FICO 8 scores for all three bureuas (Transunion , Equifax and Experian) . It is same as the score you obtain from myFICO for all three credit bureaus . FICO8 scores are commonly used for credit card lending . 

Hence the scores that you see in CCT is different from Equifax.com , as they are different credit score models . 

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Straight from the Equifax page:
"Equifax® 3-Bureau credit scores are based on an Equifax Credit Score model and are not the same scores used by 3rd parties to assess your creditworthiness"

Just another FAKO - not worth paying money for, IMO