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9/5/2015 update:
myFICO vs CCT score comparison
myFICO: EX 577 TU 582 EQ 577
CCT: EX 620 TU 582 EQ596
@peaved_about_credit wrote:9/5/2015 update:
myFICO vs CCT score comparison
myFICO: EX 577 TU 582 EQ 577
CCT: EX 620 TU 582 EQ596
That's passing strange.
Experian states all over their website it's FICO 8, and I know the pull from here is FICO 8. These are all scores from precisely 9/5 or are the MF ones from several days or more ago in the alert dates?
I don't know CCT well enough to know if there's something similar on that.
The only way you can determine if there is a real divergence is by actually purchasing new reports from myfico and using one of your three pulls at CCT. You can't use the scores of one day and compare them unless you know if they are actual pulls on that day. Saturday I signed up for CCT. I got all three scores for that day. If i had also signed up for the 3B score on myfico, then I could have done a real comparison to see if there was agreement or divergence.
An honestly you're worried about the wrong thing. Whether your myfico or CCT scores are your current scores, your scores are all low. Why?
What is on your reports causing your scores to be so low? That is where your focus should be. Your attention is fixated on the wrong thing. We'd like to help you with that, since we can help resolve score discrepancies.
In myFICO dashboard where it lists your three scores, look under each one and you should see statements like:
"FICO® Score 8 based on Equifax data as of 9/5/2015"(I see statements like that in mine anyway).
Note their dates. In my experience myFICO seems to sporadically update my scores and sometimes, a score can sit for more than a month without an update despite changes in score reported in CCT pulls. When I see differences like that, it's almost always the case that CCT is reporting scores from data pulled that day where myFICO is reporting scores from weeks old(or more) data.
@Anonymous wrote:An honestly you're worried about the wrong thing.
Just because someone's scores are low does not mean they should not be concerned about about inconsistent reporting across two solutions that should both provide the same FICO 8 score. This isn't the only recent post about FICO 8s diverging here vs CCT.
OP knows why their score is low, they have been around since 2007, a quick look at their prior posts reveals it all.
And it has been noted here and elsewhere that the difference between scores tends to be an issue of real time updating with CCT and time lags for myfico.com. That has been the constant refrain for myfico. It is the reason that a lot of people have dropped their subscription with myfico.com.
Even if one tries to reconcile both, apart from pull the data on the same day, relying on myfico with their sporafic updates will leave you scratching your head. That is why so many people have chosen to go with CCT. It is not that the data on myfico is wrong, it is the timing of the data that causes the mismatch.
Listen here Redeyz! I know exactly why my scores are low! I was just wondering out loud why they differ so much between the two. Stop being so daggum rude! I really wish I could be present to HEAR your tone because when I READ it, it sucks!
For a data point, I just pulled a new cct report, and it matches exactly with MyFico.
My Fico shows all scores update 9/7 and CCT was generated on 9/9
I just got a new Wally World store card, so it forced updates on MF due to the new account alerts.
ETA- Current scores are the scores listed in my sig on both sites.