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Regular Contributor
Posts: 133
Registered: ‎02-10-2013

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?
Regular Contributor
Posts: 126
Registered: ‎04-23-2013

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.

Starting FAKO scores: EQ: 566, EX: 566, TU: 569 (27 Apr 2013)
Starting MyFICO scores: EQ: 618, TU: 544 (4 May 2013)

Current FAKO scores: EQ: 691, TU: 732 EX: 736 (22 May 2017)
Current FICO Scores: EQ: 677, TU: 730, EX: 685 (14 Jun 2017)

Goal: 650 REACHED!!
New Goal: All 3 in the 700 Club!
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011

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.
Senior Contributor
Posts: 3,550
Registered: ‎11-30-2007

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

Regular Contributor
Posts: 133
Registered: ‎02-10-2013

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
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008

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.

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