So I've been monitoring on True Credit for around a month and on myFICO for a little more than a month. The myFICO was a score watch on EQ. And while my FAKO's on TC have gone up a lot in the last 2 weeks, there's been no movement on myFICO, so I purchased an updated power report and saw that myFICO EQ score went from 519 to 536 - very depressing, especially since we're building a house that will be ready in 5-6 months (my wife has a better score, though she has no income as a stay-at-home Mom). So I bit the bullet, used a promo code to get $1.60 each off the EX and TU scores and bought them. TU is at 591 and EX is at 626! Yay! Especially since I know most lenders my broker is going through use middle scores to lock rates (wish it was the upper, lol!). Now I'm not so depressed!
This just shows why you use the true FICO scores, the FAKOs are only for reference. But, congratulate yourself! You've made tremendous improvements, keep it up!
