Valued Member
Posts: 39
Registered: ‎08-26-2007

Why the large difference in score between credit reports?

Okay, so I understand the whole "credit score" thing, but why does one report say 623 and the other 557?  That is a huge difference between reports and it's the SAME information reporting to both agencies.  Does anyone know why this would happen? 

Starting Score: 557
Current Score: 557
Goal Score: 700

Take the FICO Fitness Challenge
Posts: 9,674
Registered: ‎01-28-2010

Re: Why the large difference in score between credit reports?

You need to look at both reports closely - there will be some differerences which will account for the score variation.

For example, I have some lates on EQ that do not show on TU.  


Also not all lenders/creditors will pull or report to all three CRAs.  When you apply for a CC they might only pull EX for example, so the inquiry would only show on one report, and hence would impact only 1 score.


However having said all this, bear in mind that TU and EQ have their own scoring algorithims which are not identical, so even if all information was identical on both reports you will always see some variance.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007

Re: Why the large difference in score between credit reports?

Good advice pizzadude. Definitely break out a magnifying glass, a fine-tooth comb and a highlighter and go over the reports to see what's different. There are usually subtle differences like balances reported, AAoA, etc.
Do what is true in spite of the consequences--your future is only as true as you are.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.