Different scoring models 
Barclay is slow to update too... Mine shows 646 as of 4/19 and it was a 664 here as of 5/1.
I'm going to do another score pull mid month after BECU reports my 7% util decrease. FICO simulators say I'm looking at a 10 point increase. Maybe Barclay will have me an updated FICO by then. Free FICO doesn't mean much to me if you can only get it updated every 45-60 days.
@TRC_WA wrote:Barclay is slow to update too... Mine shows 646 as of 4/19 and it was a 664 here as of 5/1.
I'm going to do another score pull mid month after BECU reports my 7% util decrease. FICO simulators say I'm looking at a 10 point increase. Maybe Barclay will have me an updated FICO by then. Free FICO doesn't mean much to me if you can only get it updated every 45-60 days.
Barclay's FICO is supposed to update whenever there is a significant change, regardless of what the trend may seem to be. When I was making some changes on my TLs I was notified every few days with score changes.
In my case, the dfference isn't really significant. Besides, since they're run on different days, it wouldn't make sense for the scores to be the same, even if they are the same model.
I've only received two reports from Barclays about 2 months apart. My last TU score from myfico was run on 4/30/14 and was 779.
Barcalys was on 5/27/14 and was 792. Makes perfect sense since I paid off a few accounts.
So for me, both TU scores are on the mark.
Starting Score: 600s
@ficonightmare wrote:In my case, the dfference isn't really significant. Besides, since they're run on different days, it wouldn't make sense for the scores to be the same, even if they are the same model.
I've only received two reports from Barclays about 2 months apart. My last TU score from myfico was run on 4/30/14 and was 779.
Barcalys was on 5/27/14 and was 792. Makes perfect sense since I paid off a few accounts.
So for me, both TU scores are on the mark.
The myFICO TU model is TU 98, which is antiquated and not really used by anyone anymore. Barclays, and Discover both use the TU'08 model, which is much newer. But there will definitely be a difference between the two.
@-NewGuy- wrote:
@ficonightmare wrote:In my case, the dfference isn't really significant. Besides, since they're run on different days, it wouldn't make sense for the scores to be the same, even if they are the same model.
I've only received two reports from Barclays about 2 months apart. My last TU score from myfico was run on 4/30/14 and was 779.
Barcalys was on 5/27/14 and was 792. Makes perfect sense since I paid off a few accounts.
So for me, both TU scores are on the mark.
The myFICO TU model is TU 98, which is antiquated and not really used by anyone anymore. Barclays, and Discover both use the TU'08 model, which is much newer. But there will definitely be a difference between the two.
Thanks for the info.
The scores are very similar for me though. A 13 point increase after some some cards were paid off seems about right.
@ficonightmare wrote:
@-NewGuy- wrote:
@ficonightmare wrote:In my case, the dfference isn't really significant. Besides, since they're run on different days, it wouldn't make sense for the scores to be the same, even if they are the same model.
I've only received two reports from Barclays about 2 months apart. My last TU score from myfico was run on 4/30/14 and was 779.
Barcalys was on 5/27/14 and was 792. Makes perfect sense since I paid off a few accounts.
So for me, both TU scores are on the mark.
The myFICO TU model is TU 98, which is antiquated and not really used by anyone anymore. Barclays, and Discover both use the TU'08 model, which is much newer. But there will definitely be a difference between the two.
Thanks for the info.The scores are very similar for me though. A 13 point increase after some some cards were paid off seems about right.
Which can certainly happen. Different things can cause different scores, but not always to an extreme. The overall idea has always been risk assessment, they've just fine tuned their models and made changes over the years to improve accuracy and thwart attempts at artificial score inflation.