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3 score report difference from Equifax to Experian

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Anonymous
Not applicable

3 score report difference from Equifax to Experian

Guys i'm very confused. I logged into Experian and i logged into Equifax. On both websites i ordered a 3-credit score report.

 

Here are the scores from the Experian Website:

Experian: 709

Equifax: 682

Transunion: 689

 

And here are the scores from all 3 when visiting Equifax

Experian: 754

Equifax: 755

Transunion: 739

 

Now  how in the world can there be such a big gap. They were both run on the same day. As far as i know they get the scores straight form each others sites.

What gives ? Also i compared all the reports and the ALL have the same information in them

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2 REPLIES 2
Anonymous
Not applicable

Re: 3 score report difference from Equifax to Experian

I might have answered my own question reading on here about FAKO experian and all. Still reading more tho. Input still welcome

Message 2 of 3
NRB525
Super Contributor

Re: 3 score report difference from Equifax to Experian

What are your scores from myFICO? Smiley Happy

 

Using the "known quantity" FICO 8 from myFICO is the baseline that conversations about FICO score rely on here. CCT scores are also FICO 08, Discover can get you TU FICO 08, Slate gets you EX FICO 08, and a few others. Outside those listed, most nearly everything else is a FAKO, not a FICO 08 that ties in with how folks discuss here.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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