CCT Scores almost same as CK?

[Anonymous]

Hi guys,

My first account finally hit the 6th month mark which is an auto loan. I signed up for trial at CCT for $1 to see where I'm at. I want to make sure CCT is FICO 08 because relatively close to CK. These aren't great scores

Also, since EX doesn't have a score yet. Does that I don't have a fico score yet?

Auto loan does report to EX. 

Thanks guys

CCT Scores

EX: No Score TU: 571 EQ:557

CK Scores: (EX score is from Experian site)

EX: No Score TU: 562 EQ:553

EX Report: no Installment, 2 Credit Card (Disco Secured and Credit One), Fingerhut (graduated Fresh start but not reporting as revolving yet)

Baddies 4 judgments, no collections

EQ Report: 1 Installment, 2 Credit Card (Disco Secured and Credit One), Fingerhut (graduated Fresh start but not reporting as revolving yet)

Baddies 3 judgments, 7 collections (medical)

TU Report: 1 Installment, 2 Credit Card (Disco Secured and Credit One), Fingerhut (graduated Fresh start but not reporting as revolving yet)

Baddies 5 judgments, 6 collections (medical)

[Anonymous]

CCT provides FICO 08 scores.  CK uses the VantageScore 3.0 model.

If your scores are similar, that's simply a coincidence.  Some people report these scores being relatively close while others will say they are off 50, even 100 points or more.  Definitely continue to monitor those FICO 08's with those $1 CCT trials from time to time and watch them grow.

[Anonymous]

Thanks for the reply Brutal!

I have one more question, I'm sure I'm doing the math right lol

On my Experian report I don't have a score but my Discover Secured was opened November 29. EX reports it as 11/01/2017. Its April so shouldn't I have score with EX as well or do I count the report date?

If I count from date opened  that would be 6 months

EX

11/01/16

12/01/16

01/01/17

02/01/17

03/01/17

04/01/17

Actual Date opened? So I wait til May

11/29/2016

12/29/2016

01/29/2017

02/29/2017

03/29/2017

04/29/2017

If I count from report date

12/01/16

01/01/17

02/01/17

03/01/17

04/01/17

Thanks again!!

[Anonymous]

I don't know the answer to this for sure, as I've heard 6 months from some people and 7 months from others.  If it is 6 months, you have to count the full months I think, so the last month you listed was the start of the 6th month... so perhaps you have to consider 6 complete months.  I'm sure someone else will answer this more solidly for you though.

[newhis]

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@Anonymous wrote:

Thanks for the reply Brutal!

I have one more question, I'm sure I'm doing the math right lol

On my Experian report I don't have a score but my Discover Secured was opened November 29. EX reports it as 11/01/2017. Its April so shouldn't I have score with EX as well or do I count the report date?

If I count from date opened  that would be 6 months

...

Thanks again!!

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I think is 6 full months (or close to it), you have 5 months (reported date) and a few days for the 6th month (Today is the 7th day). I think you will get a score by the end of this month. Good luck.

[Anonymous]

Thanks for the reply guys! I'm just eager to see what EX report looks.