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That's good to know. Do you have the link to the article about the ~30 points?
@RobertEG wrote: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.
@Repo-ed wrote: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...
Make that EQ here now 679 due to util coming WAY down...
Moving to Understanding FICO® Scoring.