CreditCheckTotal

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@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.

---

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.

---

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.

---

My apologies I just read the other posts.

[Transmogrifying_Bee]

---

@Credit_hawk wrote:
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.

---

To further confuse matters a bit, the TransUnion website sells an OLDER version of VantageScore,  Version 2.0 uses a score range of 501 - 990. 

Contrast this with the newer VantageScore 3.0 with a score range of 300 - 850.  Version 3.0 is used by Credit Karma (EQ and TU), Credit Sesame (now TU), Credit.com (EX - 2nd score is VS 3.0), Quizzle (EQ), and Lending Tree (TU).

CreditCheck Total, of course, uses FICO Score 8 with a score range of 300 - 850 (EQ, EX and TU).

[_NERD]

I sense a disturbance in the FICO. Perhaps a 7-day trial of CCT will restore the balance in the FICO...

May the FICO be with you /=

[Anonymous]

Just signed up! I love this community!! Hopefully I can get the cancellation deal.

[Anonymous]

BTW,  my scores were true to myFICO scores. I'm sold.

[Credit_hawk]

Very true, TB! We can get in the weeds so easy. No wonder people get confused. I would never pretend like I know all of the nuances myself. All we can attest to is CCT is legit and the best out there to date for the money.

[Anonymous]

---

@Anonymous wrote:
Just signed up! I love this community!! Hopefully I can get the cancellation deal.

---

If you aren't offered the deal, then you'd be the first from myFICO who didn't...in other words, you're virtually locked into the $14.97 deal for anywhere from 1 to 5 years.

[Anonymous]

Ok canceled. My 3 credit burea pulls refersh on 9/16, and my billing cycle ends on 9/20. Anyone know what will happen on 9/17? Will I be able to pull one last time or will there be no option?

[Anonymous]

50% off for 5 years! Through automated cancellation....works for me!

Equifax jumped 36 points today!

[Anonymous]

---

@Anonymous wrote:
50% off for 5 years! Through automated cancellation....works for me!

Equifax jumped 36 points today!

---

Seems like the automated cancellation is giving the 50% off for 5 years consistently, where it's hit or miss when you cancel with a call center person. Congratulations!