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tpunx99GSX · 03-10-2011

So Jessica and I have been monitoring our credit and improving it steadily each month... or so we thought. We have been using a company called Trilegent who uses CreditXpert to get the credit score from each of the three bureaus. then last month i decided to pull our scores from another company just to verify that they were showing the same scores and what do you know, one of the scores was over 100 pts lower... nothing happened between the time i pulled from trilegent and the other company. So i pull it again from yet another company and they have a totally different score.

So I start calling around and no one can give me an answer to why it would be showing completly different based on the company i was pulling from.
Has anyone else found this as well?

I have a theory about this, I believe Credit monitoring companys do not give your actaul scores until 3-4 months of using their service. Being that its a monthly service, if they show a good score the first shot, you may just want to cancel the service. This is just a theory but the only way to explain it.

What do you guys think? Anyone had problems like this?

03-10-2011	#1
tpunx99GSX Tournaments Won: 3 Join Date: Oct 2003 Location: Maple Grove, MN Drives: Lancer and Durango Posts: 7,017	Credit Monitoring So Jessica and I have been monitoring our credit and improving it steadily each month... or so we thought. We have been using a company called Trilegent who uses CreditXpert to get the credit score from each of the three bureaus. then last month i decided to pull our scores from another company just to verify that they were showing the same scores and what do you know, one of the scores was over 100 pts lower... nothing happened between the time i pulled from trilegent and the other company. So i pull it again from yet another company and they have a totally different score. So I start calling around and no one can give me an answer to why it would be showing completly different based on the company i was pulling from. Has anyone else found this as well? I have a theory about this, I believe Credit monitoring companys do not give your actaul scores until 3-4 months of using their service. Being that its a monthly service, if they show a good score the first shot, you may just want to cancel the service. This is just a theory but the only way to explain it. What do you guys think? Anyone had problems like this? __________________ Scientific theories are the most reliable, rigorous, and comprehensive form of scientific knowledge. This is significantly different from the common usage of the word "theory", which implies that something is a conjecture, hypothesis, or guess.