ssmokeyy wrote:Look i have a paid sevice that shows me my score but now i don't believe it because i trust a bank more and the paid service says my score is 682. bank says 745.
What service? myFICO definitely provides FICO 08 scores which are used in many credit card decisions -- but not necessarily by all creditors that issue credit cards.
You need to understand what scoring models and data sources you're comparing. Don't just assume that your bank is "more correct". Your bank is only "correct" for whatever creditors happen to use the same scoring model and CRA that your bank uses. There are a number of different FICO scoring models used by creditors so don't just assume that what your bank uses is what every creditor uses.
ssmokeyy wrote:So im going to open the citi card just wondering is i should do it now or on the 11th of next month. the offer ends on the 15th of next month.. For some reason ym report shows the 8800 on my stcu but also the usbank balance being 6800 and my snap on for 2k. stcu closed and paid off snap on and paid off us bank. its taken time for that to show on my paid service so im not sure if i should trust it or not.
When do these accounts report? IIRC US Bank usually reports at end of month.
And please use paragraphs. It's painful to try to comprehend posts that just jam a bunch of sentences together.