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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?
@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
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.