New to forum a few questions

[Anonymous]

I have been working on credit. i recently got a collection account removed and opened a new credit card(opensky secured card) I have mortgage which has one late payment 18months ago...I have a few medical collections totaling $350 im working on I dont want to pull my scores thru mortgage company what is the most accurate site to use for my scores CreditKarma is not accurate my score there is 633 but it was different when i pulled from mortgage broker in May, so question is can i sign up for myfico just to get my scores? or use a free site that is accurate? will the new creditcard be repoting after one month?

[RandomSpirit]

Hello,

Welcome to the forum. I would urge you to check this site out CreditCheckTotal. I recently learned about it on this site and and it seems like a pretty good deal. They have a $1. trial period.  Then $29.95 per month but, I hear if you cancel during the 7 day trial, many have been offered membership for 14.95 instead of the 29.95 to keep you. It gives you daily  Experian FICO score and reports, and 3x each month, you get the TU & EQ FICO score as well.

I just signed up for the trial  period and intend to become a member if I am offered the $14.95 Monthly.

Check it out, i'm not expert but is seems like a good deal.

[Anonymous]

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@Anonymous wrote:

I have been working on credit. i recently got a collection account removed and opened a new credit card(opensky secured card) I have mortgage which has one late payment 18months ago...I have a few medical collections totaling $350 im working on I dont want to pull my scores thru mortgage company what is the most accurate site to use for my scores CreditKarma is not accurate my score there is 633 but it was different when i pulled from mortgage broker in May, so question is can i sign up for myfico just to get my scores? or use a free site that is accurate? will the new creditcard be repoting after one month?

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@Anonymous,

Welcome to MyFico.  Yes, you can sign up for MyFico and get your real scores.  This is the score most lenders use and be aware there are alot of companies offering products but they are most FAKOs.

You will notice the score you get here will match what most lenders will give you when you apply for credit.

[takeshi74]

Be very careful relying on scores,  If you want to know what a mortgage lender will pull for you then you need to know the scoring model and CRA(s) that they use.  Most do not use the standard FICO 8 model.  myFICO does now offer scores in adidtion to FICO 8's including scores used by some mortgage lenders.

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@Anonymous wrote:

CreditKarma is not accurate

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CK is accurate but, again, you need to carefully consider the scoring model.  CK provides VantageScore 3.0.  Like any other model it is only accurate for its own model.  You cannot use a score generated by one model to determine a score generated by a different model even if both models are FICO's.  You should expect different algorithms to produce different results.  VantageScore 3.0 is only useful for creditors that use that scoring model.

IIRC Experian and Creditcheck Total provide FICO 8 but not FICO mortgage scores.  Pay attention to the specific model provided in all cases.

See also the Understanding FICO Scoring subforum and its stickies.

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@Anonymous wrote:

will the new creditcard be repoting after one month?

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Keep in mind that the general advice is no new credit for 6 months to 1 year prior to a mortgage.  We have no idea when your account will report.  The time it takes a new card to report varies quite a bit.  Some cards report before they are received by the cardholder.  Some take a month or several months before they first report.

[Anonymous]

I'm using experian.com to monitor my daily score and all 3 cb reports 3 times a year and paying $9.99 month.