After lowering my util again, I got great results on credit karma (Vantage up tp 650). The vantage score on there is almost a dead ringer for the Walmart 08 TU model in our case. It has historically been within a point or two for 3 months. So I do like to use that comparison.
My credit sesame has increased to 629, and that score is an EXACT match to my FICO ran by my lender, so I also find that one to be useful.
However, SW does not ever seem to update. It sits idle, never changing. I got a modest 3 point increase for no reason (before any of the util hit) and before that a 7 point drop. It is now lagging behind over 100 points from my other FICOs.
My EQ report is acutally the better one as far as info. Our judgment and tax lien don't even show. And the other baddies are the same on all three. Weird to me that EX has absolutely every baddie and its better by about 100 points. TU is the best, but again, it has less negs (none of the paid collections show). Credit scoring is so darn frustrating.
But, I do want to say that I find it amazing that I am getting to the mid 600s. I guess in the future I will ask what credit bureau is used before I seek out any credit. EQ is just out of the ballpark.
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Send a message to Customer Service. I was having the same problem so I sent them a message and within a few days, I started receiving alerts.