myFICO Score Accuracy

[Anonymous]

Hi all, I wasn't exactly sure where to put this, I apologize if it's in the wrong section.

If LO pulled reports on 10/30, are the scores from the 3B report on 11/5 more current, or is there a lag?

Reason asking: LO said husband's score dropped to 605, so we spent a week freaking out and trying to figure out what to do, and yesterday we purchased the score monitoring and 3B report. The EQ FICO 5 score was 619. What's more likely, that the myFICO score is *actually* the score, or that it was compiled with not yet updated information that LO's program pulled?

[Anonymous]

The date of the reports pulled is the determining factor, everything that is on the earlier date will be on the later date, there is no lag. In your case, yesterday's score should be the actual score if the LO pulled the same version.