topic Re: Experian Score Lower Than 2 Other Bureaus in Understanding FICO® Scoring

Experian Score Lower Than 2 Other Bureaus

Anonymous — Wed, 25 Sep 2019 21:53:53 GMT

I don’t know what it is but it’s consistently 30-50 points lower than the other two. All information appears to be the same. Is it some new scoring or am I missing something? While my score is 700+ with the other two, it’s 630 with them. Driving me crazy. Lol

Re: Experian Score Lower Than 2 Other Bureaus

BallBounces — Wed, 25 Sep 2019 22:31:45 GMT

How recent is your "most recent late" when you look at your Experian report on Experian's web site?

Re: Experian Score Lower Than 2 Other Bureaus

Anonymous — Wed, 25 Sep 2019 23:26:22 GMT

@BallBounces wrote:
How recent is your "most recent late" when you look at your Experian report on Experian's web site?

June 2015

Re: Experian Score Lower Than 2 Other Bureaus

Anonymous — Thu, 26 Sep 2019 00:14:16 GMT

30 points would surely be an outlier with identical profile data across all 3B scores from the same scoring model, but possible, as it's been reported on this forum. 50 points though is unheard of, so IMO, the report data is cannot be the same. I would look into things such as the age of accounts, age of negative items, inquiries, etc. as being data pieces that may vary from one bureau to the other.

Re: Experian Score Lower Than 2 Other Bureaus

SEAlifer — Thu, 26 Sep 2019 06:11:11 GMT

As much of a pain as it is, you gotta go through each data point and see if there’s any differences to know it’s not just a fluke :/