topic Re: Experian score difference in Understanding FICO® Scoring

Experian score difference

Anonymous — Sun, 26 May 2019 01:46:56 GMT

Could anyone explain why my Experian score is always the lowest with a 20+ point difference between EQ and TU? All my cc, loans are reporting to all 3 bureaus. What gives?

Re: Experian score difference

Revelate — Sun, 26 May 2019 03:28:02 GMT

They weight things differently so some disparity is expected in FICO 8 and earlier; however, looking at your signature line my guess is you have more scoreable inquiries on Experian?

Re: Experian score difference

Anonymous — Sun, 26 May 2019 07:57:50 GMT

@Anonymous wrote:
Could anyone explain why my Experian score is always the lowest with a 20+ point difference between EQ and TU? All my cc, loans are reporting to all 3 bureaus. What gives?

Is your bureau data identical across all 3 bureaus, or are there variances. Rev brings up inquiries, a common factor that would be different across the bureaus. Even with identical bureau data, a 10-20 point variance between top and bottom FICO 8 score is pretty common, with up to 30 points or even a little higher not being out of the question.

Re: Experian score difference

Anonymous — Fri, 07 Jun 2019 22:19:53 GMT

Odd, for me it's the opposite

My Experian is 799 but TU and EQ are in the 720 range.

All have the same info.

Not sure at all how they calculate a score but it's not always lower for everyone

Re: Experian score difference

Anonymous — Sat, 08 Jun 2019 07:28:00 GMT

@Anonymous wrote:
Odd, for me it's the opposite
My Experian is 799 but TU and EQ are in the 720 range.
All have the same info.
Not sure at all how they calculate a score but it's not always lower for everyone

You aren't comparing scores across the same scoring model. A variance up to around 30 points isn't uncommon, but you're not going to see a 70-80 point variance across bureaus with the same scoring model and the same bureau data. If you're comparing an EX FICO 8 score against TU/EQ VS 3.0 scores from Credit Karma or something perhaps, but that would be an apples to oranges score comparison.