Equifax Complete Premier way off!

skorpyo3 · ‎05-14-2015

Hi all! I thought I'd purchase a $4.95 Equifax Complete Premier trial for one month. I know they use FAKO scores, but these scores were 30-40 points lower than my actual FICO. Also, I'm able to view info on all three credit bureaus, and information is incomplete and not updated, as compared to info with MyFico alerts. It's amazing that Equifax and Transunion use their own scoring that isn't very helpful in my situation. Experian now offers an actual FICO score & report updated daily. The other guys need to get on board. I just wish MyFico updated quicker. They are pretty slow!

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

EdMan63 · ‎05-14-2015

I tried Equifax for a month as well and canceled after I decided that the info and score wasn't really helpful. I have the Experian credit tracker and I really like it. I wasn't able to pull my Experian for some reason on myFico so I couldn't subscribe to the 3 score deal so I just purchase my reports from them for TU and EQ periodically.

skorpyo3 · ‎05-14-2015

Credit Karma is decent for weekly TU & EQ CR. Best of all, it's free!

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

skorpyo3 · ‎05-14-2015

@EdMan63 wrote:
I tried Equifax for a month as well and canceled after I decided that the info and score wasn't really helpful. I have the Experian credit tracker and I really like it. I wasn't able to pull my Experian for some reason on myFico so I couldn't subscribe to the 3 score deal so I just purchase my reports from them for TU and EQ periodically.

Experian Credit Tracker is awesome! I have a 30 day trial for $4.95. Not sure I'll keep it since I already pay monthly for MYFico.

|EQ 698|TU 674|EX 665| BK discharged 11/2012

[Amex PRG No PSL] [Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $20,000] [BofA Cash Rewards Visa Sig $15,000] [Amex BCE $13,000] [Discover It Cashback $13,500] [US Bank Cash + Visa Sig $10,000][US Bank Platinum Visa $8,400] [Penfed Power Cash Rewards Visa Sig $10,000] [USAA Cashback Rewards Plus Amex $15,000] [Citi AAdvantage WMC $5,000] [Macy's Amex $7,500] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]

Anonymous · ‎05-14-2015

i have experian as well its way better than tu or eq

EW800 · ‎05-14-2015

I agree in regard to Experian Credit Tracker. I like them now that they offer true FICO scores.

One thing I do like about the Equifax product is that they include SP's.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

takeshi74 · ‎05-15-2015

@skorpyo3 wrote:
I know they use FAKO scores, but these scores were 30-40 points lower than my actual FICO.

No "but" to it. You can't use a score generated by one model to determine a score generated by a different model even if both models are FICO's. You should expect different algorithms to produce different results.

Also keep in mind that you don't have one "actual" FICO for any CRA. Creditors use a number of different FICO scoring models. See also the Understanding FICO Scoring subforum and its stickies. Many creditors may use a FICO 8 score but that score doesn't mean anything if the creditor you're applying with uses a different FICO.

@skorpyo3 wrote:
I just wish MyFico updated quicker. They are pretty slow!

Only certain activity trigger updates.