FICO Score 8 vs Plus Score (CCT)?

[Anonymous]

Further evidence that CCT doesn't really use Plus.  See the attached images.  When I did my $1 trial yesterday, it provided me with an EX Plus score, generated 3/6/18.  Today I log in and see it's now showing as a Score 8, generated on the same date.  Proof here that the Plus graphics are simply a mistake, masking Score 8 for whatever reason:

[Anonymous]

From my limited experience with the $1 trials (done 3 back to back trials so far), the first set of 3B scores I get when I sign up for the trial subscription shows up as FICO 8 scores. But the next set of 3B scores I get (on day 8th and 9th) show up as PLUS scores though those are exactly same as the FICO 8 scores.

[Anonymous]

I think you'll find that as you do more trials and you have a larger sample set of data, there won't be any consistency as far as when the Plus graphics are shown verses the Score 8.  Sometimes they are there from the initial trial pull, sometimes it's from the second pull 7-10 days later.

[Anonymous]

Maybe it's linked to when there is a change in score? ie: the first time you pull it with CCT it's Fico but if you pull again AND it hasn't changed, then it's plus. (Again, no idea and still seems like a bug, just playing the logic game). 

[Anonymous]

The thing that baffles me, as I mentioned earlier in this thread, is that CCT seems aware of the PLUS vs. FICO 8 distinction and its relevance for their scoring product, because they explicitly include this question in the FAQ for their product:

What is the difference between the PLUS® Score and the FICO® Score?
The PLUS Score was developed by Experian Decision Analytics, the credit score-developing business owned by Experian. FICO® scores are developed by the Fair, Isaac Corporation which specializes in developing credit-scoring systems for lenders and other businesses.

It's as if they know that the two scores are different and want to stress that when they say a score is a Plus then it is very different from when they say it is a FICO.

But also in the same FAQ they say:

CreditCheckTotal uses the standard FICO® Score calculation model to generate scores.

I'd be curious to hear what a CCT rep says about this weird conflict (and the fact their scores are, occasionally and at random, identified as PLUS).  An email to CCT along with appropriate text from their FAQ and screenshots might elicit an illuminating  response.

[Anonymous]

I'll jump on that grenade...

...email has been sent.

I'll report back their response.  Usually it takes at least 2-3 days for me to hear back from CCT, so I may not having anything to share quickly.

[Thomas_Thumb]

Side note:

I had an Experian Plus score of 821 when my Experian Fico 8 was 850 and my Experian National Equivalency was 840 [data from 2015]. These three models are all different. 

[Anonymous]

---

@Thomas_ThumbI had an Experian Plus score of 821 when my Experian Fico 8 was 850 and my Experian National Equivalency was 840 [data from 2015]. These three models are all different. 

---

So then, this is further proof that CCT isn't using Plus at all, since their "Plus" score is always identical to their Score 8.  Just incorrect bannering, I suppose.  If they were using both models, users would be seeing two different scores, where all reports have been identical scores.