09-11-2013 08:07 AM
I notice there is a 50 point difference between Experian and Equifax, Experian is my highest score now. But all the information is reporting the same. I do have more inquires on Equifax than Experian. I have 7 inquires with Equifax and 3 with Experian. How can having the same information on two CRAs come up with different scores, Will my scores every be the same number for all 3 CRAs?
09-11-2013 08:09 AM
Now if ya asked for the meaning of life, I could answer that one...
Like different companies, making the same size shoe, but each feels different, even though the size is the same.
09-11-2013 08:13 AM - edited 09-11-2013 08:16 AM
Different algortihms. Even a single company can have different models that produce different scores.
Will my scores every be the same number for all 3 CRAs?
Anything's possible but it's highly unlikely. Why are you fixated on them being the same? Again, they don't use the same algorithms so it's a given that the scores will differ.
Additionaly, differing number of inquiries != same information.
09-11-2013 08:32 AM
I guess I want to know if it can happen, but just was curious. My Tu and EX are just a 2 point difference
You're lucky. Sometimes mine is like a rollercoaster.
09-11-2013 08:37 AM
That's the million dollar question these FAKO score systems try so hard to decode.
I'm pretty sure the ample difference in hard pulls play a role in the difference of your scores. But 50 points?!? That's weird.
09-11-2013 12:25 PM
I'm wondering the same exact thing. My Exp. score has the least no. of INQ's than the other 2 and one or two less baddies that the others--but it also 45 and 58 pts. LOWER than the other two!! It's (EX) probably the best report out of the 3-go figure!!
09-11-2013 02:03 PM
09-11-2013 03:13 PM
There's 49 different Fico scoring models out there so it all depends on which one is being used
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