Experian 3 score monitoring or Myfico

[Gregsbabe11]

Hi all. I pay for both services. Both state fico 8 scores, so they say lol. My experian 3 scores are different on Experian site than the myficos for all 3. Anyone know which is more accurate daily? 

[FireMedic1]

EX FICO 3 is an old bankcard score. EX is the only one that has it. Its in MyFICO. Nobody really uses it.  Both have their own update dates. Went that happens its that moment in time when they post. They may be off by a couple weeks and never match. One chasing the other.

[Gregsbabe11]

So the experian monitoring that states Fico 8 is not actually fico 8 scores? Usually my experian is dead on with the myfico score but the transunion and equifax are always different. 

[Anonymous]

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@Gregsbabe11 wrote:

So the experian monitoring that states Fico 8 is not actually fico 8 scores? Usually my experian is dead on with the myfico score but the transunion and equifax are always different. 

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The Experian service does provide you with FICO 8 scores, if you pay for all three bureaus you will get FICO 8 scores for TU and EQ as well. If the scores are differing from MyFico and Experian you need to compare the reports for EQ and TU from both services with copies of your EQ and TU report from annualcreditreport.com and see what is different. If Experian or MyFico has data that is different from the data in your report from annualcreditreport.com then you should contact the service with the incorrect data and let them know they are pulling inaccurate data. 

[GatorGuy]

Are you paying for daily monitoring for both Experian and MyFico?

Otherwise the reports should tell you the dates. If they are showing the same date but different scores, look at the reports and see what's different.

Since Experian is the actual credit bureau I would default to them.

[SouthJamaica]

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@GatorGuy wrote:

Are you paying for daily monitoring for both Experian and MyFico?

Otherwise the reports should tell you the dates. If they are showing the same date but different scores, look at the reports and see what's different.

Since Experian is the actual credit bureau I would default to them.

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There is no such thing as a daily monitoring service on MyFICO.

[Anonymous]

I feel like I should make an independent post about this, but Experian offers weekly or monthly "trial periods" for their monitoring services. If you cancel before the trial expires, it will not charge you. And you get all 3 bureaus refreshed plus the extra EX FICOs. The trial will run its course and a couple of days of having no plan they will offer another free trial. Rinse and repeat. New 3 bureau FICO pull every week to a month. 

As for FICO Bank Card 3 Score, USAA used it for my CC app.  They also provide it monthly if you have a CC with them. You have to view their website instead of the USAA App to find it, though. CSRs do not seem to know they have it.