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50 Point difference between scores, WHY?

Regular Contributor

50 Point difference between scores, WHY?

Theres a 50 point difference between my TU fico 674 & my fico Ex 620, my EQ is 646 also. Theres the same thing on all of my credit reports, all reporting the same thing. Why is my scores has such a big gap?
Message 1 of 6
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Regular Contributor

Re: 50 Point difference between scores, WHY?

I'm wondering the same thing.... I know they are using different calculations, but my disparity is even greater than yours from my highest score to lowest:

EX 683, EQ 627, TU 616. All FICO from here.

Gardening as of: 23 JUL 2017 / FICO 8 (As of 14 Jul 2017): EQ: 663, TU: 723, EX: 680

Message 2 of 6
Moderator Emeritus

Re: 50 Point difference between scores, WHY?

Are they showing the same information on each of the CRAs?  They often have different information on them.  Compare them side by side and see if there's any difference.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 6
Senior Contributor

Re: 50 Point difference between scores, WHY?

My TU and EQ are about the same score, yet there are quite a few differences between the two.

 

Smiley Tongue

Message 4 of 6
Regular Contributor

Re: 50 Point difference between scores, WHY?

All 3 is reporting the same thing except my Ex has a Cap One chargeoff that falls off next month. I suspect that wont give me a 40 point boost though
Message 5 of 6
Epic Contributor

Re: 50 Point difference between scores, WHY?

Even if you had identical information an all three reports, all three scores would be different.  It is due to the differences in formulas for each CRA.

Message 6 of 6