Transunion credit monitoring service?

[Supermade]

I have Transunion credit monitoring service directly from the Transunion. My question is if the credit monitoring service from Transunion website is a TU98, TU04 or TU08?

I also have Score Watch from myFICO, but I don't like that fact that I do not have the option to refresh a new credit report every 24hrs.

On a side note, can anyone recommend a combination of CMS that would be ideal for some rebuilding their credit?

[namvet]

My favorite combo is:  USAA cms, myfico score watch for EQ and walmart for TU.

[AZHeather]

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@namvet wrote:

My favorite combo is:  USAA cms, myfico score watch for EQ and walmart for TU.

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+10000 - USAA CMS (shows you all 3 reports every 24 hours)

[Supermade]

Do I have to be a USAA customer to use/purchase their CMS?

Are all thre FICO scores or only TU and EQ FICO and EX FAKO?

[Lel]

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@Supermade wrote:

I have Transunion credit monitoring service directly from the Transunion. My question is if the credit monitoring service from Transunion website is a TU98, TU04 or TU08?

I also have Score Watch from myFICO, but I don't like that fact that I do not have the option to refresh a new credit report every 24hrs.

On a side note, can anyone recommend a combination of CMS that would be ideal for some rebuilding their credit?

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The answer to this question is None of the Above.  The credit score that you get through that monitoring service is not a FICO score.  It is based on similar criteria, but ultimately it is not possible to compare or draw a correlation between the scores obtained from that service and your actual Transunion FICO scores.

[Supermade]

**bleep**? really? I could of sworn that I read somewhere that it was a FICO score! **bleep**!

I guess I'm canceling that service and getting the USAA. But is USAA CMS FICO scores??

[MarineVietVet]

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@Supermade wrote:

**bleep**? really? I could of sworn that I read somewhere that it was a FICO score! **bleep**!

I guess I'm canceling that service and getting the USAA. But is USAA CMS FICO scores??

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No. Those are called "PLUS" scores and aren't used by any lenders. You can read about different services and the scores they offer here: CMS Guide.

[Supermade]

Ok, I'm really dumbfounded right now.

My TransUnion FAKO score through the TransUnion website is at 639 (rebulding my credit). I assumed incorrectly that this was a FICO.

I checked through USAA CMS and my TU score is 591!? Seriously? I understand these are FAKOs, but damn, I would at least expect something in the same ballpark. This seems highly inconsistent and unfortunate. That is almost a 50pt difference!

is this usually what is expected when comparing FAKO scores?

My EQ FAKO scores was off more thatn 30pts incomparison to myFICO score.

[marty56]

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@Supermade wrote:

is this usually what is expected when comparing FAKO scores?

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Yes, no, maybe, all of the above.

Trying to gain intel on your FICO score from a FAKO one will only make you frustrated.

FAKO scores, and the advice given to improve them should be ignored.  True Credit is a great service sans the FAKO score.

[llecs]

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@Supermade wrote:

My TransUnion FAKO score through the TransUnion website is at 639 (rebulding my credit). I assumed incorrectly that this was a FICO.

I checked through USAA CMS and my TU score is 591!? Seriously? I understand these are FAKOs, but damn, I would at least expect something in the same ballpark. This seems highly inconsistent and unfortunate. That is almost a 50pt difference!

is this usually what is expected when comparing FAKO scores?

My EQ FAKO scores was off more thatn 30pts incomparison to myFICO score.

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Both of these FAKOs factor in items on your account differently which can cause a big score difference. Also the score ranges totally differ. The FAKO from USAA goes from a scale of 330-830 and the score range from TU is 501-990.

Never compare FAKOs with FAKOs and never compare a FAKO with a FICO. There are times your FICO will increase and FAKO decrease for the exact same event.