How accurate is Truecredit score

[Anonymous]

I just check my score in Truecredit freetrial from Transunion and my  credit score said 560. I had my credit pulled from a mortgage broker(about 45 days ago)  and the report was from KROLL FACTUAL data and transunion was 446.  Is this score accurate.  In creditexpert (Experian is 519)   and in the Kroll one was 465.  Thanks

[fused]

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ncyjse wrote:

I just check my score in Truecredit freetrial from Transunion and my  credit score said 560. I had my credit pulled from a mortgage broker(about 45 days ago)  and the report was from KROLL FACTUAL data and transunion was 446.  Is this score accurate.  In creditexpert (Experian is 519)   and in the Kroll one was 465.  Thanks

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Try pulling all three of your reports and scores from this site.  FICO scores are the only ones that matter.  Forget about the others, TC is only good for monitoring your credit files and maybe preventing ID theft.

[Anonymous]

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ncyjse wrote:

I just check my score in Truecredit freetrial from Transunion and my  credit score said 560. I had my credit pulled from a mortgage broker(about 45 days ago)  and the report was from KROLL FACTUAL data and transunion was 446.  Is this score accurate.  In creditexpert (Experian is 519)   and in the Kroll one was 465.  Thanks

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Both TC and CreditExpert show FAKO scores. Anywhere from 50 to 100 point differences from your FICOs are not uncommon. However, for others, like myself, the difference is 30 points or less.

Knowing your FICOs is a good thing when you NEED to know your FICOs. Otherwise, not really all that useful. Seeing the activity on your credit report is what's of value. Even if you're a perfect person who pays all your debts early, keeps your CC util between 1 and 9 percent, yada-yada-yada, wouldn't you like to know if Fred Hanna is sticking some malarky on your TU and EX?

I use TC because I can watch all 3 reports. With SW (which I also have), I only get to see FICO score movement on EQ from day to day. Relatively few details beyond that--unless I wanna pay FI for something I get with TC.

With SW, I'm getting a carotid pulse and heart rhythm. With TC, I'm getting a much more thorough analysis of the awakening comatose patient that is my credit.

[Anonymous]

Strictly speaking, TrueCredit (called "TC" in these parts) is no less "accurate" than any other credit scoring system. They just use a different, far less accepted formula than FICO. Therefore, their scores are not really useful to you. Most people get TC for the daily pulls, not the scores.

[Anonymous]

Thank you all!!!!

[nothingman02]

How the heck did this thread from 07 bump up to here?

[llecs]

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nothingman02 wrote:
How the heck did this thread from 07 bump up to here?

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Ghost of myFICO Past