@Lemmus wrote:
@Revelate wrote:That is correct; all of the additional scores are instant-in-time; it's only the FICO 8 baseline scores which will continually update.
...question for Rev ...or anyone who knows ...who calcs the Fico 8 scores provided on the dashboard? ...is it myFico using the CRA data, or is it a CRA provided score based on Fico's algorithms?
...the reason I'm asking is that afaik, myFico only receives limited data from the CRAs (and very different data at that) between 3B updates ...inquiring minds and all that, eh
To my knowledge both the score and the report data come from the bureau (and then the license fee is paid to FICO) identical to what we would get in the lender pull scenario. This is the case for the 1B and 3B instant in time pulls explicitly.
For the monitoring solutions, that all comes from the bureaus which is why we see such differences between the amount and type of data from the individual ones. Both the score and the rationale for the score come from the bureaus, and is packaged in the MF interface for our consumption.
...thanks for the quick reply ...scratched my itch, it did 
My lender used tir merge my score went up 8 points because I removed a dispute that was a paid collection, Equifax, Trans Union, and Experian removed it all within 24 hours
I am back on track for my mortgae God willing everything will go well
Linking this here since EX FICO Risk Model v2 (EX 98) was impacted and I'm still giggling, most likely EQ / TU 04 were not, but for optimizing EX:
Story in short form: if you have a couple installment loans out and you can afford the DTI hit of their being on your reports, don't pay them off, pay them down to some small fraction of their balance before you go through the process. Possible chance I could've hit north of 735+ on my Experian mortgage score, and with my dirty file, well, damn.
@Anonymous wrote:
So my middle score is 613, we are trying to raise it. Would the report likely be higher or lower? Would it be worth paying the fee at this point?
...we need more info ...what does that "middle" score represent and where did you obtain it? fico cc/fico mortgage/fako? ...what are your goals and time line? ...read the sticky "Do I Qualify" and provide as much of the info there as you can, preferably in a new thread ...then we should be able to provide you an answer that applies to your situation ...hth