TU's TC....is the scoring accurate??

[Anonymous]

I just did a 30 free trial for TC.  I have been monitoring EQ with Scorewatch and wanted an update on TU.  Two weeks ago my credit was pulled for a mortgage pre-approval and my TU score was 627.  When I pulled it now with TC, it said 595.  My EQ score just went up 22 point because of a posted payment, but my TU score is down 32 points.  I compared this report with my last report and there are no differences, other than the updated payment on a cc.  The only thing I can think of was that I disputed a couple of baddies and they are still under investigation.  Could that have dropped my score so much or is there something wrong with TC?

HELP!

[Anonymous]

TC scores are afffectionately known as FAKOS.  They are not true ficos.  You can only buy those through Myfico.

[Anonymous]

Thank god!  I guess you get what you pay for!! 

Does anyone else use TC and have such a big difference in their scores?

My EQ score was my mid-score so it's the one I am most worried about...that's why I got Scorewatch.  I should have just went with myfico.

[Anonymous]

I do. My EQ is the lowest and Experian is the highest. 

[Anonymous]

My TU was the highest at one point. 

When the banks pull a CR, they get FICO right?

Is there usually such a big difference in FICO and FACO?  I remember seeing a post about it a while back...I will try to hunt it up.

[Anonymous]

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bsf56 wrote:

My TU was the highest at one point. 

When the banks pull a CR, they get FICO right?

Is there usually such a big difference in FICO and FACO?  I remember seeing a post about it a while back...I will try to hunt it up.

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My FAKOs are about 75 points higher than my FICOs. Which really stinks. I'm just using TC as a way to monitor reports.

[Anonymous]

When you dispute something you get a copy of the results and an updated CR.  With TU, you can pay $7.95 for your score.  Is this a FICO or a FAKO score?

[Anonymous]

Is there a product where I can monitor all 3 FICO scores?  Myfico Scorewatch is only for Equifax right?  I'm so confused!

[Anonymous]

The only way I know to see all thre scores is to buy all three scores from MyFico. It gets expensive, though. For me - I use SW. I can update my reports every day. Then about once a month I buy the FICOS.

[Anonymous]

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TexMontana wrote:

The only way I know to see all thre scores is to buy all three scores from MyFico. It gets expensive, though. For me - I use SW. I can update my reports every day. Then about once a month I buy the FICOS.

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How do you update every day using SW?