Moderator Emeritus
Posts: 32,881
Registered: ‎08-04-2007
Re: Credit Scoring 101 - START HERE!

Not necessarily. As you know there are FICO scores for each of the 3 CRAs (e.g. TransUnion, etc). Each formula is different. So, the FICO formula for TU on here differs from the EQ FICO on here. The differences are slight, but if both credit reports are EXACTLY alike, and one score changed, it doesn't necessarily mean the other would change in the same direction, or even at all. And of course both credit reports (or comparing all 3) aren't exactly alike. You might have different inquiries, different accounts, different dates, and so on which would impact that score change had one occurred. Also, credit reports don't change at the same time when creditors update. Experian tends to be the fastest to update with TU being the slowest.