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Biggest score variance between credit bureaus

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jetsfan2013
Frequent Contributor

Biggest score variance between credit bureaus

I have noticed the closest all 3 of my credit reports have come score wise occurred during my first year of rebuilding post BK discharge (early 2012). As time has progressed, I have seen a 20-30 point gap, with Transunion being my "cleanest" report (current 670), and Equifax being the most stubborn (619).

 

Anyone else notice these type of gaps?

Road to rebuilding starts soon
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2 REPLIES 2
Berk
Established Contributor

Re: Biggest score variance between credit bureaus


@jetsfan2013 wrote:

I have noticed the closest all 3 of my credit reports have come score wise occurred during my first year of rebuilding post BK discharge (early 2012). As time has progressed, I have seen a 20-30 point gap, with Transunion being my "cleanest" report (current 670), and Equifax being the most stubborn (619).

 

Anyone else notice these type of gaps?


Here are mine:

 

Exquifax 773 Short credit history, Installment loans too high

 

TransUnion 788 Have not established a long revolving credit history

 

Experian 802 Short credit history

Message 2 of 3
RobertEG
Legendary Contributor

Re: Biggest score variance between credit bureaus

Fair Isaac publicly stated in a webinar they conducted a few years ago that even with identitical data at all three CRAs, the score difference could vary up to 20-30 points between the FICO scores.  Each CRA licensies its own bureau-tailored algorithms.

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