In my experience WAY OFF, but others have been quite happy. I did this right after I received my actual scores, according to the site my score was around 646, but my actual scores were 540 and 560. Keep in mind they don't account for chargeoffs, collections I didn't have either myself but found them to be way off.
Penalized you big time for too many accounts. My score was so low it was unbelievable. May be fairly accurate with a couple of accounts.
It is not accurate at all. Dont go by it if you have judgements etc., because it doesnot take those factors into account. But it is valuable in determining how the # of revolving accounts or recent inquiries affect your score. But it can not be truly relied on. roni.
