Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 40
Registered: ‎07-04-2007
0

If my info stays the same how can the score be different?

I know you won't allow this thread but I had to try anyway. I have run my report more than once and received different scores. How is that possible? The computer is a machine. It cannot think. It does what the program tells it to do. Is that right?
I f you run the exact same data thru and the "program" is working properly the results can NOT be different.
Therefore If the info is the same and the computer is the same the reason the conclusion is not is the "program".
 
Does your program ever get changed? Are there any little bugs that have to be fixed or is the program you are running now identical to the original.?
If the answer to either questions is yes then then the scores you sold prior to the "FIX" were incorrect. When these little "bugs" are found do you notify all the people who paid for error scores? Do you notify their creditors who made decisions based on wrong scores you gave them??
 
Just thought I would ask. By the way I worked in programming for over 30 years so don't tell  me the programs are perfect. LOL'
Valued Contributor
Posts: 2,010
Registered: ‎07-01-2007
0

Re: If my info stays the same how can the score be different?

You might want to move this over to the MyFico product Q and A board here:
 
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: If my info stays the same how can the score be different?



posterbob wrote:
I have run my report more than once and received different scores.
What exactly do you mean by this statement?
 
Established Member
Posts: 40
Registered: ‎07-04-2007
0

Re: If my info stays the same how can the score be different?

It means I have obtained more than one and less than 3 copies of my score. You know what it means. This is a well known problem that has happened to many people. I would prefer to have someone answer the question rather than examine the post looking for syntactical errors. Thanks.
Moderator Emeritus
Posts: 2,050
Registered: ‎04-17-2007
0

Re: If my info stays the same how can the score be different?

It would be helpful if you could be more specific.
 
Do you get 2 or more FICO scores on the same day?
 
Were they from EX, EQ, or TU, or from two of these?
 
Did you get them from myfico.com?
 
Did you get  FAKO scores?
 
There probably is a very logical explanation for the variance, but we have to start with what you mean by "score."  I'm not trying to be pedantic, but there's a world of difference out there in Scoreland.
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Established Contributor
Posts: 720
Registered: ‎05-04-2007
0

Re: If my info stays the same how can the score be different?


posterbob wrote:
It means I have obtained more than one and less than 3 copies of my score. You know what it means. This is a well known problem that has happened to many people. I would prefer to have someone answer the question rather than examine the post looking for syntactical errors. Thanks.




We would prefer to answer questions when there is sufficient information to work from. Your original post gives us no details whatsoever.

Which CRA(s) did you pull the report from, and on what dates? As you may or may not know, a significant part of FICO (and FAKO scoring) is age-related. Are you comparing reports from two different CRAs or the same CRA? Did any accounts update after one report was pulled and before another report was pulled? Were the reports purchased from the CRA(s) directly, through MyFico, through True Credit, or from another source? Is your last name Kelly? (Oops, skip that last one).

Anyway, answers to these questions and further details are needed before an explanation can be offered for the discrepancies you found.
Member
Posts: 8
Registered: ‎06-13-2007
0

Re: If my info stays the same how can the score be different?

1. How far apart were the scores pulled. (Time affects scores)
2. Are scores pulled from the same source? (Most sites offer scores using different algorythms than the actual FICO scores.)
3. You notice, I still have to ask questions, therefore, you were not clearly explaining yourself, hence the need for more questions and clarification. Before getting miffed that someone asks for clarification, consider that perhaps what seems clear to you, is not clear to someone who is not in possession of all of your knowledge pertaining to the matter at hand.
 
Frequent Contributor
Posts: 382
Registered: ‎05-15-2007
0

Re: If my info stays the same how can the score be different?

[ Edited ]
More info is needed.  How long apart did you pull your scores?  Were they from different agencies?
 
 
OOPS I guess we were all thinking the same thing.  You just beat me to the post.


Message Edited by monro411 on 07-05-2007 01:49 PM
Frequent Contributor
Posts: 440
Registered: ‎06-11-2007
0

Re: If my info stays the same how can the score be different?



posterbob wrote:
It means I have obtained more than one and less than 3 copies of my score. You know what it means. This is a well known problem that has happened to many people. I would prefer to have someone answer the question rather than examine the post looking for syntactical errors. Thanks.


DANG NOAH_BODIE.....you know how to bring the best out in folks........LMAO.......Smiley Very Happy
BTW......I love reading your posts....always either very informative....or full of humor!!
Frequent Contributor
Posts: 382
Registered: ‎05-15-2007
0

Re: If my info stays the same how can the score be different?

 
 
 
Read entire post.  It it says that your score is like a snapshot of your credit.  Hope this helps.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.