It's really hard to say. I only use the monitoring services scores as a guideline.
They use their own scoring system.
The only true scores come from myfico.com. Those are the scores that lenders will go by when you apply for a loan or credit card. FICO scores are just REALLY expensive.....so you may want to break down and purchase them right before you apply for something major like an auto or mortgage loan..
It's hard to tell how accurate the monitoring services are compared to FICO. I have seen them as much as 75 points in difference....but you can at least use them to see the fluctuations and know whether it is going up or down.
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03-17-2009, 04:00 PM
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