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Registered: ‎03-03-2013
Why is FICO different for two identical reports ?

I just reviewed my MyFico info for both Equifax and Transunion, and was amused that the scores are different, despite both agencies reporting the exact same things: the top level dashboards both show "Great" and "Very Good" For the same categories, there are the exact same accounts. exact same balances.  Even my "current credit card activity" is the same.   However, on the "What's Hurting Your Score" page (the one with the scales), the Eq one cites "bad payment history", while the Transunion one cites "high account balances' and "high credit usage".    One score is 769, one is 741.  I thought FICO was supposed to be a balanced score that represented a single unified metric, and I'm a bit baffled as to why I'm getting two completely different scores on what seems to be the same data.