Large Differences in FICO Scores Between CRAs

[Anonymous]

I have a 55 point difference between my hightest and my lowest FICO.  EQ which is my lowest has one more account on it than the other two.  For some reason my Perkins loan I got in college only reports to EQ. 

[Junejer]

My biggest spread was 178 points.

[Blackmarble18]

SO I was really hoping to see this situation play out and get a definitive answer. I have a similar issue. I have my transunion and equifax report from fico there is a 30pts spread between the two but my situation is a lil different from the op. All the accounts are the same looking at general info but when you look at detailed info they vary.

My transunion is a 680 it has 14 accounts and there are 4 account that are showing discrepancy I have 2 sallie mae loans have negative indicators and two are positive they each have some payment history data, they each report as student loans and have separate account numbers.

My equifax is a 650 has 14 accounts 4 accounts that are showing discrepancies. I have 2 sallie mae loans with neg indicators and two are positive. all the balance information matches the transunion account. Here is where the info changes.  All the accounts are missing payment data in addition the accounts don't report as student loans they report as installment loans and the industry is reported as miscellaneous instead of "bank" which is how it reports on transunion.  the other difference is the transunion accounts current status say  "Paid or paying as agreed" for all 4 accounts the equifax current status says "Pays account as agreed" 

Ok so I know that there are some big difference on how this reports my question is can I get equifax to report these account the way transunion does so the score match more closely??

[CreditJunkie917]

My scores in my siggy are current as they can be. I found that I have a defaulted student loan that is on EQ and EX, but not reporting to TU. There is a slight difference between balance reporting on the student loans, but not by much. Everything else is identical, and there is only that small point difference b/w myfico TU and EQ. my EX FAKO is well, a FAKO.

[guiness56]

Your CRs could be identical across all 3 CRAs and all 3 scores would be different.  There are 3 different versions of FICO used across all three plus the way they are scored for each one.

[Blackmarble18]

right but I actually do have the same info on both report but its reported differently. So is there a way to have equifax report the information correctly the way transunion does?

[guiness56]

The things that are reporting differently would have no impact on your score, they mean the same thing.

[Blackmarble18]

Oh ok I thought for sure one  bureau showing account data vs the other not showing it would make a difference. Thanks 

[Jstic]

You should double check to see if TU is treating the HELOC as revolving or not. I had a very smilar discrepancy with my scores, and the ONLY difference between the 3 CRA's was that TU was treating my HELOC as revolving credit, while EX and EQ treated it as a real estate loan, which is what it is. I have a whole thread about this somewhere on this board. When I paid off the HELOC, my scores were all within 10 points of each other, 775-785.

[Blackmarble18]

Im sorry is your response to my question? I don't have a HELOC. My post is in reference to the student loans I have, but it sounds like you had a similar issue as me. The student loans are reporting differently, one says installment loan and has no payment data and the other says student loan and has payment data, I thought student loans were calculated differently than normal installment loans and figured that might be part of the problem with the score difference .