Why would my credit union be showing a different Experian score???

[Anonymous]

I use Experian Credit Tracker and my FICO is showing 661 today; yesterday it was 650. I've been working with my credit union who uses Experian and when they ran my credit, it was like 30 points LESS than what Experian credit tracker is showing. Earlier this week they showed 622 and today they show 629. I understand that they're using the Fico version 8. Why would it be so different???? Is'nt that what Experian credit tracker uses????

[StartingOver10]

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@Anonymous wrote:

I use Experian Credit Tracker and my FICO is showing 661 today; yesterday it was 650. I've been working with my credit union who uses Experian and when they ran my credit, it was like 30 points LESS than what Experian credit tracker is showing. Earlier this week they showed 622 and today they show 629. I understand that they're using the Fico version 8. Why would it be so different???? Is'nt that what Experian credit tracker uses????

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Experian Credit Tracker uses FICO 8. On the credit score products page of the Experian Credit Tracker site it says that the score is FICO 8 and it gives a disclaimer that your CU or other creditor may use a different FICO score.

Are you sure that your CU uses FICO 8 and not the FICO mortgage scores?  Ask your CU what version FICO score they use

[JLK93]

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@Anonymous wrote:

I use Experian Credit Tracker and my FICO is showing 661 today; yesterday it was 650. I've been working with my credit union who uses Experian and when they ran my credit, it was like 30 points LESS than what Experian credit tracker is showing. Earlier this week they showed 622 and today they show 629. I understand that they're using the Fico version 8. Why would it be so different???? Is'nt that what Experian credit tracker uses????

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Most Experian pulling credit unions seem to use Ex 98. That is probably why it is different than the EX 08 score provided by Credit Tracker.

[ddemari]

What Credit Union are you talking about?