Credit Check Total vs. Myfico for fico8 - What's up with that?!?!

[Anonymous]

I decided to pay $1 to pull fresh reports today to CCT. I'm very close to cancelling my subscription to myfico in a week from now (after my house closes) because I don't need to pay $30 a month anymore since I've gleaned A LOT from this website already (of course I'll continue to come back to the community since I'm still rebuilding after the close with credit cards).

Anyway, there is a difference in myfico fico8s and credit check total... could it be because myfico just hasn't updated yet and CCT was a fresh pull?  Here's the difference:

          CCT      Myfico

TU    624         624  (scores dropped almost 10 pts because last month I stupidly let my Home Dept card report a $34 balance instead of $0 and that left me carrying a small balance on both my credit cards)

EQ    622         627  (same as above

EX     640        647

I mean, I'd love to believe that I gained 5 pts on EQ and 7 pts on EX but the only thing I did differently this month is pay that Home Depot card to $0 and that won't report until the 9th. Confused. Otherwise, I have to believe it's just the regular modest gain you get every couple of months from paying all your bills on time and aging away from baddies.

[Anonymous]

I think myfico is slow to update. I read a lit of complaints about this, which is why I opted for cct instead

[Anonymous]

I currently have both. The MF is very slow to update on EX scores and alerts while CCT updates daily on EX scores and report. CCT reports are now going to be limited to one 3B pull per month so the EQ and TU scores and reports are not updated until the new 3B is pulled. There can be slight score changes in one day. I think MF is much slower to update except on EQ updates.

[Anonymous]

Thanks for the responses. I just paid for a 3b credit report and you're right! Now my scores are reading accurately and the pleasant surprise is that my mortgage scores have jumped! As well as all my other scores. I'm so ecstatic at this moment I could cry. We are closing next week so that won't help the last month I went through being manually underwritten by a lenient bank that charged me an exhorbitant interest rate BUT it WILL help our app spree after! I'm so happy I could cry. I've worked so hard! And I'm still in the middle of my rebuild!