CreditCheckTotal

[Anonymous]

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@Marcos8 wrote:

Quick CCT question...

when I log in it automatically shows me my updated EX score and info on the screen. If I scroll down and click the updated EX report link it takes me to a new reports page where it shows me my updated EX report. My question is why is my credit revolving debt amount on the opening page different from the revolving debt on the updated EX report. If both give updated EX info from today shouldn't the revolving debt numbers be the same? Thanks

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I just checked and mine is the same on the report as on the main screen.

[Marcos8]

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@Anonymous wrote:

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@Marcos8 wrote:

Quick CCT question...

when I log in it automatically shows me my updated EX score and info on the screen. If I scroll down and click the updated EX report link it takes me to a new reports page where it shows me my updated EX report. My question is why is my credit revolving debt amount on the opening page different from the revolving debt on the updated EX report. If both give updated EX info from today shouldn't the revolving debt numbers be the same? Thanks

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I just checked and mine is the same on the report as on the main screen.

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Not sure why mine is that way. It's not the first time I noticed it like this either. 

[Anonymous]

I thought that the credit bureau scores were the correct ones? Credit check total has my scores way off and its 170 pts off from my transunion score so cct can't be real scores.

[Anonymous]

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@Anonymous wrote:

I thought that the credit bureau scores were the correct ones? Credit check total has my scores way off and its 170 pts off from my transunion score so cct can't be real scores.

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Please tell me what you are comparing CCT to? What source is your TU? Is it a FICO 8? I just did a screenshot of the sign on screen of CCT, and trust me, that is the true FICO score. Perhaps you are comparing it to a FAKO like on Credit Karma by chance? 

I can tell you with 100% certainty, CCT is a true FICO 8 score.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I thought that the credit bureau scores were the correct ones? Credit check total has my scores way off and its 170 pts off from my transunion score so cct can't be real scores.

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Please tell me what you are comparing CCT to? What source is your TU? Is it a FICO 8? I just did a screenshot of the sign on screen of CCT, and trust me, that is the true FICO score. Perhaps you are comparing it to a FAKO like on Credit Karma by chance? 

I can tell you with 100% certainty, CCT is a true FICO 8 score.

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The score I am getting is right from Transunion not from credit karma, I know ckarma scores are fako's. I thught the scores from credit bureau's are the correct fico scores?

[Anonymous]

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@Anonymous wrote:

I thought that the credit bureau scores were the correct ones? Credit check total has my scores way off and its 170 pts off from my transunion score so cct can't be real scores.

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Hmm this is the second time I've seen a post from you bashing Credit Check Total in five minutes. You clearly have an agenda.

[Credit_hawk]

Luv2Cruise, what you're seeing is a Transunion vantage score rather than FICO score when getting numbers right from Trans Union. I can see how you would make the mistake to think that the score numbers you see from Transunion must be the most accurate. Unfortunately, they aren't. The reason why the numbers differ is simple. Think of a FICO score as a brand. Other credit companies or bureaus don't want to use an outside company's scoring system for a variety of reasons so they create their own totally exclusive scoring method and model to avoid have to pay FICO for use and promotion of their scores. The problem with that is every lender that lends anything uses the FICO scoring model to influence lending decisions so that is why everyone cares about their numbers.

[Anonymous]

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@Credit_hawk wrote:

Luv2Cruise, what you're seeing is a Transunion vantage score rather than FICO score when getting numbers right from Trans Union. I can see how you would make the mistake to think that the score numbers you see from Transunion must be the most accurate. Unfortunately, they aren't. The reason why the numbers differ is simple. Think of a FICO score as a brand. Other credit companies or bureaus don't want to use an outside company's scoring system for a variety of reasons so they create their own totally exclusive scoring method and model to avoid have to pay FICO for use and promotion of their scores. The problem with that is every lender that lends anything uses the FICO scoring model to influence lending decisions so that is why everyone cares about their numbers.

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Thank you credit_hawk for giving me a better explanation. So then those scores used by the actual credit bureau's are not the Fico scores I need to be going by ? And those given by myfico or credit check total are the correct scores to follow? I just don't want to be paying for a service and getting the wrong info and I want to follow the correct scores because I want to keep track of them and know what they are. These scores are very confusing, can you also tell me where the best source is to get the most accurate scores? Thanks

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I thought that the credit bureau scores were the correct ones? Credit check total has my scores way off and its 170 pts off from my transunion score so cct can't be real scores.

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Hmm this is the second time I've seen a post from you bashing Credit Check Total in five minutes. You clearly have an agenda.

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Lysol: There is NO agenda other then making sure I am locating my correct scores so that I can be aware of them while rebuilding our credit!!!!! I am not bashing credit check total I am merely stating my opinion about my own scores and using there site, I am paying to use there site as well.

[Credit_hawk]

Luv2Cruise, yes the scores on the TransUnion credit report or website are not FICO scores at all. They are Vantage scores, which is a totally different scoring scoring brand and system and the same goes with Equifax's credit scores. Unless they designate the FICO brand name next to the score you could just assume that it is a generic score created by one of the credit bureaus. Now it's not that the scores made up by the credit bureaus are wrong or bad in a sense. It's just that over 90% of the creditors use FICO which makes all other scoring brands and systems irrelevant.

Think of FICO as like NIKE and Equifax and TU scores are like Walmart shoes. Nike is all that matters in sports. That's all that is used and nobody cares about the other shoes. Sure you can use them and they might even be just as good but Nike is the top shoe used in sporting so the others aren't relevant. I know my analogy sucks but I'm trying to get you into the idea of thinking of FICO as a corporate brand that is most used and that's why their calculations matter more than any other brand like TU's Vantage Score.