topic Re: Fico 8 on experian vs myfico in Understanding FICO® Scoring

Fico 8 on experian vs myfico

AllyDais — Tue, 02 Apr 2024 23:46:10 GMT

Both accounts say they are showing me my equifax fico8 scores, but they are 60 points apart. They both say as of today. Has anyone had this happen? Which site is more reliable?

Re: Fico 8 on experian vs myfico

FicoMike0 — Wed, 03 Apr 2024 00:29:24 GMT

Are you sure experian is showing an Equifax score? I think even the paid version only updates experian daily. Still, 60 points is a big difference. Maybe ex is showing a dated eq score. Keep us updated.

Re: Fico 8 on experian vs myfico

CorpCrMgr1 — Wed, 03 Apr 2024 02:03:34 GMT

Never.

Re: Fico 8 on experian vs myfico

FireMedic1 — Wed, 03 Apr 2024 16:36:41 GMT

@AllyDais wrote:
Both accounts say they are showing me my equifax fico8 scores, but they are 60 points apart. They both say as of today. Has anyone had this happen? Which site is more reliable?

Your on EX looking at EQ scores? One might be a vantage score.

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 16:58:36 GMT

Yes I'm sure. I checked a lot because i was so confused. After seeing that I paid for the premium version of myfico and the transunion score was 2 points different, the equifax was identical, and the equifax was a 64 point difference.

Re: Fico 8 on experian vs myfico

FireMedic1 — Wed, 03 Apr 2024 17:04:25 GMT

@AllyDais wrote:
Yes I'm sure. I checked a lot because i was so confused. After seeing that I paid for the premium version of myfico and the transunion score was 2 points different, the equifax was identical, and the equifax was a 64 point difference.

Still confused. What program outside of MyFICO are you seeing the 64 point difference?

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 17:06:01 GMT

It said fico 8 and had the date of April 2, so did myfico. Maybe experian didn't have updated info or something? I have no clue.

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 17:09:02 GMT

I was only using experian and myfico to see my fico scores.

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 17:10:00 GMT

I'm sorry, that should say the experian was identical and the equifax was a 64 point difference

Re: Fico 8 on experian vs myfico

FlaDude — Wed, 03 Apr 2024 17:52:49 GMT

@AllyDais wrote:
I'm sorry, that should say the experian was identical and the equifax was a 64 point difference

Thanks for the clarification. I'll have to agree with the other posters that a difference like that from different sources is pretty unusual. I've never gotten EQ scores from Experian, but I've gotten multiple scores from different sources on the same day before and they always match or maybe vary a point or two. Have you compared the reports provided from both sources to see if there are any differences? Have you done this comparison in the past? If so, did they match then? Is it possible that Experian is not pulling the right report for your EQ score (possibly someone else with a similar name or SSN)? Comparing the full reports on that date should make it apparent if that is happening.

Also a possibility is that Experian is showing a different flavor of FICO 8. FICO 8 CC scores range up to 900 so often are quite a bit higher than the vanilla FICO8 scores.

Re: Fico 8 on experian vs myfico

SeeingTheLight — Wed, 03 Apr 2024 19:55:22 GMT

I agree with you @AllyDais .I've been having an Equifax discrepancy between MYFICO and Experian for the past couple of months and I was about to post about it....I think there is a problem somewhere and I believe it's with Experian. I have the paid membership for Experian and the free membership for MyFico. Both claim to provide FICO 8 scores. Two months ago, my profiles and accounts were all the same across the 3B and each was showing the exact same 5% util. Per the Experian app: EX: 815 TU: 818 EX: 793. MyFico shows Equifax at 815 at exact same time.
Last month, util increased to 6%. Per the Experian app: EX:810 TU: 810 EQ: 801 Myfico: 809

Today: Util 7% Experian App Ex: 807 TU: 808 EX: 798

Myfico as of 3/31: 809

Something is definitely wrong with the Experian app pulling scores from Equifax, I think. I sent a note two months ago to inquire of the issue and they sent some canned response about scores fluctuating or something. There has to be an error on their side...

Re: Fico 8 on experian vs myfico

FlaDude — Wed, 03 Apr 2024 19:55:33 GMT

@SeeingTheLight wrote:
I've been having an Equifax discrepancy between MYFICO and Experian for the past couple of months and I was about to post about it....I think there is a problem somewhere and I believe it's with Experian. I have the paid membership for Experian and the free membership for MyFico. Both claim to provide FICO 8 scores. Two months ago, my profiles and accounts were all the same across the 3B and each was showing the exact same 5% util. Per the Experian app: EX: 815 TU: 818 EX: 793. MyFico shows Equifax at 815 at exact same time.
Last month, util increased to 6%. Per the Experian app: EX:810 TU: 810 EQ: 801 Myfico: 809
Today: Util 7% Experian App Ex: 807 TU: 808 EX: 798
Myfico as of 3/31: 809

Are the items flagged in red above supposed to be "EQ"?

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 20:03:07 GMT

Oh ok. I didn't know there were different fico8 scoring models. Thank you for that.

Re: Fico 8 on experian vs myfico

AllyDais — Wed, 03 Apr 2024 20:08:45 GMT

I decided to go straight to the source, equifax.com and see the score. But it's a vantage score. Lol. So still no score help. However, I noticed that all my accounts are gone. Only things opened from 2022 to now are there, and my credit age is now a little over a year? Where in the world did everything go? Car loans...gone. student loans....gone. credit cards. Everything. Is anyone else seeing that?

Re: Fico 8 on experian vs myfico

SouthJamaica — Wed, 03 Apr 2024 21:25:00 GMT

My experience with EX FICO 8 on experian.com and EX FICO 8 on myfico.com is that the experian site has the score changes a day or two earlier.

Re: Fico 8 on experian vs myfico

FlaDude — Thu, 04 Apr 2024 00:49:28 GMT

@AllyDais wrote:
I decided to go straight to the source, equifax.com and see the score. But it's a vantage score. Lol. So still no score help. However, I noticed that all my accounts are gone. Only things opened from 2022 to now are there, and my credit age is now a little over a year? Where in the world did everything go? Car loans...gone. student loans....gone. credit cards. Everything. Is anyone else seeing that?

Does your EQ report look correct through other sources like myFICO or Credit Karma?

Re: Fico 8 on experian vs myfico

AllyDais — Thu, 04 Apr 2024 00:53:27 GMT

No. It's like that across the different platforms

Re: Fico 8 on experian vs myfico

fortis — Thu, 04 Apr 2024 15:38:55 GMT

My fico 8 on EX is 6 points lower than myfico, was wondering why also.

Re: Fico 8 on experian vs myfico

AllyDais — Sat, 06 Apr 2024 13:57:57 GMT

I think I finally figured out what happened. My maiden name and married name have split into 2 seperate reports. When I put my maiden name I see a higher number than my married name....more history. MyFico report actually matches my married name but is showing the higher score so I don't know what to do. For now I think I will say a prayer. lol. Thanks for your help everyone.

Re: Fico 8 on experian vs myfico

SouthJamaica — Sat, 06 Apr 2024 16:04:08 GMT

@AllyDais wrote:
I think I finally figured out what happened. My maiden name and married name have split into 2 seperate reports. When I put my maiden name I see a higher number than my married name....more history. MyFico report actually matches my married name but is showing the higher score so I don't know what to do. For now I think I will say a prayer. lol. Thanks for your help everyone.

That's called a split file. You need to bring it to the credit bureau's attention, so they can correct it.