which fico plan to order

[Anonymous]

I know CreditKarma is Fako score , but why would my score drop 23pts when my opensky secured card just landed on my report july1? my util is only at 12% and opensky doesnt do a hardpull on my credit...im going to breakdown and order the myfico monitoring service im trying to get a mortgage asap and will update on here when i get my real scores. so if i order the fico 8 monitoring for $24,95 month it will also include my mortgage score one time correct? and than it monoitors fico8 version. thats how im understanding it. i just dont want to order the wrong one..thanks

[Anonymous]

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@Anonymous wrote:

I know CreditKarma is Fako score , but why would my score drop 23pts when my opensky secured card just landed on my report july1? my util is only at 12% and opensky doesnt do a hardpull on my credit...im going to breakdown and order the myfico monitoring service im trying to get a mortgage asap and will update on here when i get my real scores. so if i order the fico 8 monitoring for $24,95 month it will also include my mortgage score one time correct? and than it monoitors fico8 version. thats how im understanding it. i just dont want to order the wrong one..thanks

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CK is funny like that. It tends to swing wildly when balances change. For instance, mine went from 550 to 625 and then back to 573, just from balance changes at the begining of June. My Fico scores, OTOH, moved no more than 18 points.

What you should kind of depends on what it is you want to SEE. Do you need to see what you mortgage/auto/bank scores are right now? Or are you more concerned with monitoring your FICO 8 scores and seeing your report contents?

[Anonymous]

When my Open Sky reported My CK score dropped as well...HOWEVER my fico scores increased! 😁😁

I am currently using the 3 credit buerau from here for $24.95.

[Anonymous]

Thank You for advice. I want to see my mortgage scores right now..in March i was low 600s across board(602,600,591) but have got a cpl PFD and open the CC...I do still have some other things to clean up but wanted to know if my mortgage scores have gone up/down since March and i mine as well monitor the fico 8 while im still repairing.so if i order the fico8 monotoring i will get my mortgage scores with the initial pull? than it monotors the fico8 score?

[takeshi74]

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@Anonymous wrote:

I know CreditKarma is Fako score , but why would my score drop 23pts when my opensky secured card just landed on my report july1?

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We can't tell you that.  To understand the cause(s) for any scoring change you have to carefully review reports from before and after the change.

Also, you can't assume the same change with your FICO's.  No sense in worrying over VantageScores unless you have a creditor that uses them in their decision making.  23 points is just barely above the minimum threshold I'd recommend for worrying over points anyway.

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@Anonymous wrote:

my util is only at 12% and opensky doesnt do a hardpull on my credit...

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Those aren't the only factors to consider.  You have a new account reporting which dropped your AAoA.  You have a new credit account which is also considered a risk factor.  People here are very HP fixated but HP's are a relatively small factor.

What was your utilization before?  You need to look at the changes and not just the data from a fixed point in time.

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@Anonymous wrote:

so if i order the fico8 monotoring i will get my mortgage scores with the initial pull? than it monotors the fico8 score?

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Yup.  The first sticky in the Understanding FICO Scoring subforum has some info on the additional scores.  If relying on myFICO monitoring make sure you understand the triggers.

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