My credit.com vs experian scores

[Anonymous]

I was looking at Credit.com  and the score for experian shows 670 and when I look at the experian sight updated on aug 21 it shows 643. The only thing i see different is utilization on credit .com shows 0%debt to limit ratio and0 credit card debt overall credit card limit 0, experian shows $302 balance credit limit $300 usage 101%. I paid off this card on Sept 30 is this why there is a difference in the numbers? Or does credit.com not have accurate info?

thanks for the help

[simplynoir]

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@Anonymous wrote:

I was looking at Credit.com  and the score for experian shows 670 and when I look at the experian sight updated on aug 21 it shows 643. The only thing i see different is utilization on credit .com shows 0%debt to limit ratio and0 credit card debt overall credit card limit 0, experian shows $302 balance credit limit $300 usage 101%. I paid off this card on Sept 30 is this why there is a difference in the numbers? Or does credit.com not have accurate info?

thanks for the help

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To clarify you mean August 30th correct? And yes essentially for scoring purposes you maxed out the card so that's why the big scoring discrepancy. The Experian website score should correct itself once the bank processes the new update to your balance.

[Anonymous]

Does credit.com use FICO or FAKO?  And yes, a maxed utilization will definitely hamper your score.  You get best score result with UTI under 10%.

[Anonymous]

Yes Aug 30 made a typo. sorry

[simplynoir]

You're right and I don't know how I missed that; I guess I was assuming it was creditscore.com which provides an EX FICO 08 score since that is what I use. Thanks for pointing that out, @Anonymous.

In any case the drop would have still occured regardless because a maxed credit card is generally never good for scoring. Luckily, utilization has a short memory so the OP's scores will recover to how they were before when the $0 balance gets updated.

[Anonymous]

OP, I believe credit.com uses FAKO scores not FICO scores.  Websites like credit.com, creditkarma.com, etc and others use FAKO scores, and while these can be helpful to see trends in your credit scores, their scores are not all that reliable.  Creditors don't care about FAKO scores.  They care about FICO scores.  Even with FICO there are many different versions that can give different results.  The most commonly used FICO score by lenders is FICO 8.  I am not sure what score Experian uses on their website.  The FICO website obviously only uses FICO scores.  If you want a truly accurate score that lenders will be using, make sure the score is a FICO score.  I find it helpful to sign up for the plan on myfico.com where I get score for all three CRAs updates every three months (I believe there is a plan where your scores updates every month also).  They also monitor your accounts and will send updates if anything changes on your reports (a good way to catch any fraudulent activity quickly).

[calyx]

I can confirm that credit.com uses EX VS3.0.  It's the one place I know of to get EX's FAKO (I track those with my FICO8s, because why not?)

[Anonymous]

credit.com = VS 3.0 (EX)

creditscore.com = Fico 8 (EX)

[babbles]

 do you think experian services are better than myFICO?  My Fico appears to be a little slower reporting, any thoughts?

[Brian_Earl_Spilner]

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@simplynoir wrote:

You're right and I don't know how I missed that; I guess I was assuming it was creditscore.com which provides an EX FICO 08 score since that is what I use. Thanks for pointing that out, @Anonymous.

In any case the drop would have still occured regardless because a maxed credit card is generally never good for scoring. Luckily, utilization has a short memory so the OP's scores will recover to how they were before when the $0 balance gets updated.

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That may be the case but it will screw your trended data. I accidentally let my qs1 report over the limit because I forgot about the AF and I was denied a CLI from Navy for length of time since last going over my limit.