Two Different EQ scores

[Anonymous]

I work in the IT Department of a "Big Bank"  and  according to the bank's files as of 9/04/2009 my EQ FICO score is 686.  According to scorewatch, my EQ score is 669 and has not changed since 04/17/2009.  

Which score should I believe,  I am in the process of car shopping. 

[Anonymous]

I would pull scores from here or EQ to be sure. Score watch is always late or won't even send a message when there is a change. My scores have gone up 83 points with EQ and I've only once received one alert (when it went from 524 to 548). Did you pull a new EQ score?

[Anonymous]

My myfico score as of today is still 669.

[llecs]

If your bank uses a FICO score, would you mind asking them which version of FICO score they use?

[Jazzzy]

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@Anonymous wrote:
I would pull scores from here or EQ to be sure. Score watch is always late or won't even send a message when there is a change. My scores have gone up 83 points with EQ and I've only once received one alert (when it went from 524 to 548). Did you pull a new EQ score?

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When you received the Score Watch alert, did you go in and change the settings to reflect your new FICO score? I have gotten quite a few alerts, and the way to be alerted about a FICO change is to set your "Target Score" to your current FICO score EACH time you get an alert.

[Anonymous]

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@LynetteM wrote:

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@Anonymous wrote:
I would pull scores from here or EQ to be sure. Score watch is always late or won't even send a message when there is a change. My scores have gone up 83 points with EQ and I've only once received one alert (when it went from 524 to 548). Did you pull a new EQ score?

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When you received the Score Watch alert, did you go in and change the settings to reflect your new FICO score? I have gotten quite a few alerts, and the way to be alerted about a FICO change is to set your "Target Score" to your current FICO score EACH time you get an alert.

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I know exactly how to manage my Score Watch settings and my alerts are few and far between. This is not uncommon for many. Hopefully I will trigger one via account rotation. Having an account that was reporting zero report a balance should do it.

[Anonymous]

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@llecs wrote:
If your bank uses a FICO score, would you mind asking them which version of FICO score they use?

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Or which model. They may be giving you a mortgage enhanced score while myFICO or EQ directly will be giving you a consumer score.