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Huge difference between credit check total and fico scores

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New Contributor

Huge difference between credit check total and fico scores

So, i got an alert from CCT the other day saying my experian fico score jumped from 654 to 681...

Then today i ordered a report from this site, and it still says its 654....

Anyone have any idea whats going on?
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4 REPLIES 4
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Super Contributor

Re: Huge difference between credit check total and fico scores

Sounds like the typical case of one avenue using the most recent information and the other didn't, for whatever reason.

Message 2 of 5
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New Contributor

Re: Huge difference between credit check total and fico scores

So it probably is 681?
Message 3 of 5
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Senior Contributor

Re: Huge difference between credit check total and fico scores


@Fitzgibbons wrote:
Then today i ordered a report from this site, and it still says its 654....

What does "ordered a report" specifically mean?  If you made a new purchase today it should be up to date.  However, if you already had monitoring and just logged in then it's possible that myFICO may have not updated.

 

myFICO is a trigger based service.  myFICO only updates when there is activity that is a trigger.  Not all activity with a scoring impact is a trigger.  If you're relying on myFICO monitoring then make sure you're aware of what is and what isn't a trigger.  myFICO's triggers are a very common topic so don't overlook prior discussions as a resource as well.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bu...

 

CCT, on the other hand, has fixed update intervals.

 


@Fitzgibbons wrote:
So it probably is 681?

Not probably.  It is your EX FICO 8 as of the date that the score was generated for CCT.

 

Message 4 of 5
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Valued Contributor

Re: Huge difference between credit check total and fico scores

Seems more of the typical scenario where one update is delayed vs the other. I don't use myfico, but tend to hear they can be slow in updating at times.

However, I do use CCT, and it usually is almost to the day, most times.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


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