Originally Posted by vanillabean

FICO 8 Experian, monthly score.



VantageScore® 3.0 TransUnion, weekly score (ignore it) and credit report.

The third option is CreditSecure for $16.99, providing you with FICO 8 scores (same as myFICO) and reports for all three credit bureaus. Thanks for the reminder by the way, I keep forgetting to pull them, as my scores are always the same due to nothing happening in my life. They are not updated automatically, you have to do it manually. A little like insurance I guess, you don’t necessarily use it all the time, but it’s good to have it when you unexpectedly need to.





You’re right. That is extreme. It can happen of course, if say a maxed card or a late comes around or drops off. Or maybe if a really old closed card falls off. But not from applying for a card or something like that.



Each credit bureau has a unique FICO algorithm. One may prioritize debt, inquiries, credit lines in a way that another doesn’t. That’s one thing. The other is that the data may differ. Occasionally, you may see an item on one report and not on another, which depends how the lender reports it, it’s a convention, but not mandatory. Or you may see an item being listed as revolving on one, but in another category on another. Such differences happen far less than they don’t.
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(Hope you're enjoying this morning's lightning/thunder/rain show!)



If you pull same credit bureau Amex/myFICO FICO 8 scores at the same time, they will be identical. A lender, such as a credit card company or a bank, giving you free monthly scores on the other hand may have some date discrepancy. One bank that I get a free FICO score from says the next time your score will be pulled is the 15th, but it’s generally somewhere from 3rd to the 10th, and I’m not sure the date that the score provides is really when the score was pulled, some batch processing may play in here.

For the sake of certainty, which of the three Amex offerings are you using?