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Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

40-50 point difference from EX to TU-EQ?

As you can see from my signature below, I have a TU FICO of 735, EQ at 743 and EX at 694. All three are almost identical. No collections, no public records no negatives. Ex has 4 Inquiries, TU has 3, and EQ has 3. I have a closed student loan and 2 credit cards that was opened in the last 3-4 months. (All paid on time and in full with 9% usage) EX shows my recent payments while TU and EQ does not at this time. There is no other noticeable differences in the three credit reports. Can anyone provide me a reason why there is a 41-49 point difference between EX and TU/EQ? These were pulled from myFico.com. Thank you in advance!

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |
Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: 40-50 point difference from EX to TU-EQ?

Are there any tradelines that show on one report but are missing from others? What is your revolving utilization % on EX versus the other two?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

Re: 40-50 point difference from EX to TU-EQ?

What do you mean by Tradelines? I posted the differences I have seen between the three. EX has the Payments I made to my two credit cards. I have a Credit Limit of $500 between the both of them. (Bank Of America and Capital One Secured cards) EX shows $41 utilization and TU/EQ shows $45. $45/$500 should be 9% and Ex should be less. I don't see why there should be this much of a difference. Thank you in advance.

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |
Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

Re: 40-50 point difference from EX to TU-EQ?

I have an update. I applied for the AMEX Premier Gold Card and got declined yesterday. I have yet to recieve an email describing why. I then went to experian.com and checked my PLUS score, and it's 735! **bleep**? My FICO score is 694 but my plus is 735? My TU and EQ FICO is 735 and 743....what gives??? Please help!

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: 40-50 point difference from EX to TU-EQ?


gotmilk70 wrote:

I have an update. I applied for the AMEX Premier Gold Card and got declined yesterday. I have yet to recieve an email describing why. I then went to experian.com and checked my PLUS score, and it's 735! **bleep**? My FICO score is 694 but my plus is 735? My TU and EQ FICO is 735 and 743....what gives??? Please help!


A PLUS score is a FAKO and factors in stuff that FICO does not, and vice versa. Different score range too. My PLUS score via USAA is often 50+ off from FICO.

 

 

Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

Re: 40-50 point difference from EX to TU-EQ?

Okay, I understand that part...But TU and EQ have over 735 FICO....and the reports are almost identical. Is Experian that rough? I mean I see a lot of people with higher EX scores than TU or EQ. I am just trying to understand why...and if it's something that I can control or fix...Thank you for any help!

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: 40-50 point difference from EX to TU-EQ?

The creditor probably used a Bankcard enhanced score which weighs CC accounts more heavily than the other TLs.

 

You can have identical reports and all scores will be different due to the way things are scored across all 3 CRAs. 

Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

Re: 40-50 point difference from EX to TU-EQ?

I fail to understand how that is possible with EX. So the EX FICO has a lower score than the EX PLUS, TU FICO and EQ FICO? This is more than a 40 point difference! Credit Sesame also shows my EX to be 746! The only thing that bothers me is why the low score when all other scoring numbers are much higher. I mean even at 694, its still good credit. I just know I have better...especially with TU and EQ. Is the EX FICO scoring system that different to give a 40-50 pt score difference? There has to be a reason behind this!!!?!?!?!?

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |
Regular Contributor
geronimo2008
Posts: 183
Registered: ‎07-21-2007

Re: 40-50 point difference from EX to TU-EQ?

My EX is 48 points higher than my TU.  The EQ is 15 higher than TU and 33 lower than EX.  do not try to make sense of the differnt numbers in different models.   

Member
gotmilk70
Posts: 18
Registered: ‎06-18-2013

Re: 40-50 point difference from EX to TU-EQ?

That may be the case for you, but are your CR's identical to each other?

| Experian : 694 FICO (6/19/2013) / 735 PLUS (6/20/2013) | Transunion : 735 FICO (6/19/2013) | Equifax : 743 FICO (6/16/2013) |

| Bankamericard Secured $300 | Capital One Secured $200 | Discover IT $1,000 |

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