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Hello and Starting today at a low score

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Anonymous
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Re: Hello and Starting today at a low score

OK got the score from creditscorecard.com. You are right , it is Experian and less then the TU Score that I got from Discovercard. Ah well I have work cut out for me. Thanks


@HeavenOhiowrote:

@Anonymouswrote:

OK I went to creditscorecard.com. It seems like a Discover company or website owned by Discover. Since I already have Discovercard, with FICO SCORE feature , I checked it on and guess what. You were right ..my FICO SCORE is 639. So no as bad as I thought. Thanks for the tip !!


If you have a Discover card, you'll get a free TransUnion FICO8 from within your account. This one is additional and is available to everyone. It provides a free Experian FICO8.


 

Message 21 of 30
Anonymous
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Re: Hello and Starting today at a low score

What was your EX FICO 08 score from creditscorecard?  Assuming the same profile data exists on your EX and TU reports and the FICO 08 model is being used both times here, your scores should be in the same ballpark.  I'm curious how they compare.

Message 22 of 30
Anonymous
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Re: Hello and Starting today at a low score

Creditscorecard score 595

TU 639

 

quite a difference.

 

 

Message 23 of 30
Anonymous
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Re: Hello and Starting today at a low score

I would guess that something differs on your credit reports here, as that > 40 point variance is highly unlikely with identical bureau data.

Message 24 of 30
Anonymous
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Re: Hello and Starting today at a low score

Which myfico product should I buy,   now that I am ready to dispute questionable elements. The Ultimate 3B  product provides instant access  for all 3 Bureaus and 3B access provides quarterly.Prices $58.95 and $29.95 respectively.

 

Thank you in advance for your help.

 

Message 25 of 30
Anonymous
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Re: Hello and Starting today at a low score

Are you certain you want to pay $30 or $60 per month for a credit service?  Have you looked into all of the free or lower cost options first?

Message 26 of 30
Anonymous
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Re: Hello and Starting today at a low score

Please point me to the free or low cost site, you are referring to.

I would like to monitor the FICO08 Score though. 

 

Thanks

 

Message 27 of 30
Anonymous
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Re: Hello and Starting today at a low score

Is there any reliable credit repair service you can suggest ? Please Private message if posting names is against the rules. Probably I will do it myself after reading the posts in this forum, but just in case. Thanks I have used Lexington Law and Skyblue. I have used them for 2 months. Later, I left both of them due to slow progress.
Message 28 of 30
Anonymous
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Re: Hello and Starting today at a low score


@Anonymous

I would like to monitor the FICO08 Score though. 

 

 


If you are already getting your TU FICO 08 score from Discover and your EX FICO 08 score from creditscorecard.com, you're in a pretty good place as far as score tracking goes.  If they are spaced apart, that's a score update every 2 weeks.  You can also supplement those 2 scores with a $1 trial membership from creditchecktotal, where you'll get all 3 of your FICO 08 scores for $1.  You can cancel the trial any time in the first 7 days to avoid being charged.  Trials can be done again in the future, as often as you want; it's not a one-time thing.  If your goal is score updates, I'm not sure myFICO accomplishes that, as I believe they give you score updates once a month or maybe even every 3 months depending on the membership.  If you get alerts along the way you'll be provided with a new score at that time, but it depends on how often you receive alerts. 

 

I would suggest signing up for all the free sites like Credit Karma, Credit Sesame, WalletHub, etc.  Don't ever look at the scores they provide (non-FICO) but they do offer good tracking of your reports and will give you the same alerts you'd receive from myFICO, often even faster.

 

Looking at your FICO scores more than monthly or bi-weekly can be a bit counterproductive and overkill.  I liken it to someone on a diet that is weighing themself every day instead of every week.  They don't see the change happening fast enough and get frustrated or discouraged.  FICO scores can fluctuate.  You may see your score go down 3 points and then up 5.  Then down 2 then up 6.  Looking at your scores too often you may see those downward fluctuations more often and get frustrated, where if you look at them less frequently the minor drops will be more than made up for by your gains from sound credit behavior.

Message 29 of 30
Anonymous
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Re: Hello and Starting today at a low score

Thank You for a great advise, it makes sense. i will start this week sending my disputes.

Message 30 of 30
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