Help

[haleyjen]

I just checked Credit Karma and my equifax score plummeted 92 points and I can't figure out why?  I haven't had a late payment....no CO's????

[haleyjen]

I just signed up for Equifax's free trial and the score there is 80 points higher (so a small drop?  I don't know, this is all far too confusing).  I wish I could afford $60 a month for the My Fico.

[Anonymous]

MyFico 3b is $30 subscription a month
Creditchectotal is $30 a month (cancel while in trial will get offer $15 a month subscription for 1 year

[Anonymous]

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@haleyjen wrote:

I just checked Credit Karma and my equifax score plummeted 92 points and I can't figure out why?  I haven't had a late payment....no CO's????

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Credit Karma uses Vantage 3 scores, if you had a large increase in utilization it can drop quite a bit and Equifax uses their own scoring system for the monitoring site which is different from Vantage 3.

[righthererightnow]

I wouldn't trust CK's scores (Fako scores), your FICO scores will give you a better perspective of your score.

[Anonymous]

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@haleyjen wrote:

I just signed up for Equifax's free trial and the score there is 80 points higher (so a small drop?  I don't know, this is all far too confusing).  I wish I could afford $60 a month for the My Fico.

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Equifax and Credit karma are both crap "FAKO" scores. Go and get your real FICO's from Credit Check Total, its $1 for a 7 day trial.

[earon_williams]

Indeed. MyFICO and CCT are essentially the only sites that deliver legitimate FICO scores that consumers can obtain themsleves. Their scoring models are based off of the FICO 8 score type. myFICO actually goes a few steps ahead and delivers mortgage, bank card and auto loan fico scores that are FICO 8 and of the old FICO scoring convention (Bankcard 5, FICO 2, etc). Cannto recommend them both more.

[haleyjen]

Signed up for Credit Check total yesterday!  Thanks for the tip!

[darwin_wins]

Remember to call on 7th day to cancel it, they will offer you 50% for one year if you reach a CSR.

[haleyjen]

Reminder on my calendar!  Thanks!