Hi guys,
I am using CTOS all the while, but im just aware there is another agency RAMCI that can provide the ccris report.
I got the Personal Credit Report Plus (PCRP) from RAMCI today, the score is only 502. Surprising me..
Then i check on latest CTOS report, the score is 813 which is the usual score that i get ( ~ 790-820) since 2017.
All the details ( oustanding, credit limit, payment record ) are correct or similar.
I am wondering why the two agencies giving 2 different scoring?
anyone can explain?