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Data on the reports used to generate scores can vary from bureau to bureau. Have you actually compared all 3 reports?
@RainaB13 wrote:
I also was able to confirm TU from 4 different sources; Equifax only one.
OP, are those sources for your score various lenders? If so, they may or may not use the same FICO score found on here, used my mortgage lenders, etc, newer versions not readily picked up by lenders (e.g. the TU FICO offered via Wal-Mart). Or are these sources from a credit-related service? If that's the case, then the only service that offers a FICO is via myFICO (aside from the free FICOs via Wal-Mart, Discover, and Barclays) and all others are FAKOs.
My EQ/TU Scores here are 685.
My TU FICO scores via Walmart/Barclay are 707
My EX FICO via Amex is 717
All over the place...
As general guidance to consumers, Fair Isaac has stated that with identical credit file data, the different algoithms it licenses to the three CRAs should not vary by more than approx 30'ish points.
I would thus suspect data differences, and if score differences are approaching double-digits, I would suspect the differences to be in the more highly-weighted categories of util of credit or payment history.
If I could not decipher any significant differences, I would give a call to Fair Isaac, and perhaps they could shed some light.
They are the only ones who know the innards.