@Red1Blue wrote:
How accurate is the reports or scores the credit card vendors are providing for free?
The "accuracy" of scores is something people ask about a lot.
The answer is that pretty much everything is accurate, in the sense that if a third-party tool tells you that it has pulled your FICO 8 Score based on Experian data pulled on March 22, then it really was the true value of your FICO 8 Score based on Experian data pulled on March 22.
But just remember that all those variables affect the score. There are two different companies that make scoring models (Vantage and FICO). Models from one company will give you different scores than models from the other. Even within FICO there are several different FICO models (FICO 8, FICO Bankcard Enhanced, FICO 04, FICO 9, etc.) -- all of which will give you different values. Assuming you focus on one very specific model (say FICO 8) the credit bureau that the data are drawn on (EQ, EX, TU) will affect the score a lot. And finally the date that the data are drawn on could affect the score a lot. (And the date that the data are drawn on may not be the same data that you check your score.)
