Help me decide

[Anonymous]

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Discover has my fico score at 733 and American Express no longer gives me the “view my fico score” link

@tcbofade wrote:

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@Anonymous wrote:

For what ever reason credit karma doesn’t update my balances. CITI shows my fico score at 750 and credit karma has me at 675 with balances from 6 or so months ago.

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None of those are actual Fico scores.  (Sorry, Citi is a VERSIOn of Fico, but not the one you want...)

Your American Express account will give you your Experian Fico 8 score with monthly updates.

Your Discover account will give you your TU Fico 8 score with monthly updates.

Go find those, and tell us what your Fico 8 scores are. 

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[Anonymous]

Just for clarity you should be executing two steps, in this order:

(1)  REPORTS: ignoring any scores you might see, focus on pulling your reports.  Drill down to each of the cards on the report and confirm that the new much lower balances have appeared (e.g. all cards reporting zero except one, with the remaining card reporting a small positive balance).  Keep repeating this step until your reports look the way you want. 

(2)  SCORES: once step #1 is completed, pull your three FICO 8 scores at Credit Check Total for $1.