How accurate is creditchecktotal.com ?

[Anonymous]

Are these scores your true FICO scores ? Anyone have any info on the scores being true or how accurate they are ? Also how often can I check these scores ? For instance I'm waiting to see when my utilization has been reported and as of today it hasn't on one of my cards. Can I check daily ? Thank you.

[Anonymous]

Do you mean Creditchecktotal.com? If so, it's accurate. You can check your Experian on a daily basis but  most credit card companies only update info once a month. I do remember my experian updating early when my mortgage posted but that's about it. My Experian always updates on or about the same time every month. 

[Anonymous]

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@Anonymous wrote:

Do you mean Creditchecktotal.com? If so, it's accurate. You can check your Experian on a daily basis but  most credit card companies only update info once a month. I do remember my experian updating early when my mortgage posted but that's about it. My Experian always updates on or about the same time every month. 

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Sorry I meant creditchecktotal.com. Edited above. I'm pleasantly surprised as to what my scores are compared to my Fako scores. My FICO scores for creditchecktotal.com are all about 30 points higher than my Fako scores. While I know that Fako scores aren't accurate I'm pleased that my FICO scores are 690/702/697 and according to my Fakos I've been hovering around 660s. 

[Anonymous]

Surprised also because before I checked my FICO scores from creditchecktotal.com, my only real knowledge of my FICO scores was when I applied for a card in May and was denied they said my Experian FICO was 640. Since then I've opened 2 new cards and my utilization is down a ton. Is it really possible that my FICO went up 50 points in two months?

[JayTee1]

It is, especially if your utilization was high, and now it's low.  

[Loquat]

I use CCT and their scores are accurate.  One thing to note is that CCT only provides FICO 8 scores.  There are a many of lenders that doesn't use this exact model for their approval process.  

[Anonymous]

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@Loquat wrote:

I use CCT and their scores are accurate.  One thing to note is that CCT only provides FICO 8 scores.  There are a many of lenders that doesn't use this exact model for their approval process.  

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Does Amex use FICO 8 ?

[Anonymous]

To answer one of your questions in your original post, you can check your scores however often you'd like if you use their $1 trial membership.  You can cancel it any time and use another trial membership any time you'd like, even just a few days later.  Many of us here have done this time and time again with no issues.

[Anonymous]

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@Anonymous wrote:

To answer one of your questions in your original post, you can check your scores however often you'd like if you use their $1 trial membership.  You can cancel it any time and use another trial membership any time you'd like, even just a few days later.  Many of us here have done this time and time again with no issues.

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Let's say I don't cancel my membership, can I still log on tomorrow and see the updated version of my scores(because I'm waiting to see when one of my cards reports a new balance) ? Or do I need to cancel and do another $1 trial membership to see the updated scores. Thanks

[CJ7]

Sign up and get your 3 scores for $1.  Wait 7 days and get them again for free.  Cancel. 

Repeat as desired after waiting 3 days for the account to close.  Using this method

can effectively get up to six 3B reports every 30 days for $3 if one is so inclined.