Been on a journey.

[Jhlowe86]

About a year and a half ago I decided to take my credit seriously. I was about a 450 when o started. 

I have a question about my fico 2 if someone could help me understand.

Yesterday I signed up for a trial of credit.com to see my 2 4 and 5 score.

As of 10/21 credit.com showed I had a fico 2 score of 562.

Today I randomly decided to try the Experian trial and it showed my fico 2 at 594.

Am I missing something about experian or credit.com? Why would those scores be different? Should I believe credit.com or experian plus?

Thanks for any and all suggestions. I can show my browser history, been searching this topic to find answers. I just need the one that is most accurate for the 2 4 and 5.

[SouthJamaica]

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@Jhlowe86 wrote:

About a year and a half ago I decided to take my credit seriously. I was about a 450 when o started. 

I have a question about my fico 2 if someone could help me understand.

Yesterday I signed up for a trial of credit.com to see my 2 4 and 5 score.

As of 10/21 credit.com showed I had a fico 2 score of 562.

Today I randomly decided to try the Experian trial and it showed my fico 2 at 594.

Am I missing something about experian or credit.com? Why would those scores be different? Should I believe credit.com or experian plus?

Thanks for any and all suggestions. I can show my browser history, been searching this topic to find answers. I just need the one that is most accurate for the 2 4 and 5.

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I'm not familiar with credit.com, but the experian.com website is real time.  So you can assume the 594 score is the right one.

[Jhlowe86]

Thank you so much! I have been searching these forums none stop and seen people use credit.com. I use experian for the free trials. I am going to consider canceling credit.com and just use myfico. It's more than I want to spend but the worrying about which score is right is driving me insane.

[SouthJamaica]

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@Jhlowe86 wrote:

Thank you so much! I have been searching these forums none stop and seen people use credit.com. I use experian for the free trials. I am going to consider canceling credit.com and just use myfico. It's more than I want to spend but the worrying about which score is right is driving me insane.

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What's the point of worrying. They catch up with each other over time.

[Thomas_Thumb]

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@Jhlowe86 wrote:

About a year and a half ago I decided to take my credit seriously. I was about a 450 when o started. 

I have a question about my fico 2 if someone could help me understand.

Yesterday I signed up for a trial of credit.com to see my 2 4 and 5 score.

As of 10/21 credit.com showed I had a fico 2 score of 562.

Today I randomly decided to try the Experian trial and it showed my fico 2 at 594.

Am I missing something about experian or credit.com? Why would those scores be different? Should I believe credit.com or experian plus?

Thanks for any and all suggestions. I can show my browser history, been searching this topic to find answers. I just need the one that is most accurate for the 2 4 and 5.

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The most useful score is the one calculated using your current file data. ALL Fico 2/4/5 scores come from the same source algorithms regardless of the 3rd party that furnishes  it.

If data in your file has been updated, scores often change, sometimes substantially. It looks like that happened in the OP's case.

[Jhlowe86]

So in a sense, the score may have updated overnight and the next day when I checked it on experian, it was higher because a change was made before it was pulled on experian?

[Thomas_Thumb]

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@Jhlowe86 wrote:

So in a sense, the score may have updated overnight and the next day when I checked it on experian, it was higher because a change was made before it was pulled on experian?

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Something in your file may have changed. Then, when a query is made and your file data is pulled and run through the Fico algorithm, an updated score is generated.

Scores only change when a trigger event causes data to be pulled for a score update. Often trigger events have no direct impact on score. It's the change in file data. However, a change in file data that would impact score may not trigger a re-score.