Momof3 and I have come to the conclusion that QSpace is making money off of selling people their *outdated* reports. Then they are making even further money by charging $3.95 (I believe is the price) to obtain a *credit score* that no one knows how they really calculate. It definately isn't the same as FICO. Gee....what a huge money maker.
Score might not be right, but information is right off your Experian or Equifax report whatever they pull. Remember some issuers report every three months, two months or every month. Reporting date is usually the same as your statement closing date.
Not in my case. I have my actual equifax report from 2 weeks ago, 4 accounts paid off and closed and qspace still had all these accounts open with balances, LKH also said hers was way off.