Equifax and Trans Union different scores?

[Anonymous]

How come my score Higher with one then another?

[Anonymous]

Hi kodo07,

Glad you're here!

You'll find good answers to your question on both of these previous posts:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Help-with-my-credit-score/m-p/514898

and

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Different-scores-from-Trans-Union-and-Equ...

If you get a chance, consider following haulingthescoreup's recommendations from your previous thread. 

It's a good exercise and often pretty helpful.

And, if you can, respond to llecs' questions from a second previous thread - they're also very helpful.

[geronimo2008]

People keep thinking that the scores should be the same or that there is some easy formula to convert one to the other.  Neither is the case. They are two separatre scoring systems.  Even if the two had identical data they would more often than not produce different results.

[CS800]

Two different formula, both of which no one knows the logic behind and which has more factors that will count against you than for you.

I'm still not sure why a formula that no one knows is used by 99% of lenders to evaluate someone. Still puzzles me that this has been happening.

Bottomline, they might have different items and theeir formula is different so they will never match at least from what i have read.