topic Re: Equifax and Trans Union different scores? in Understanding FICO® Scoring

Equifax and Trans Union different scores?

Anonymous — Sat, 21 May 2011 23:14:54 GMT

How come my score Higher with one then another?

Re: Equifax and Trans Union different scores?

Anonymous — Sat, 21 May 2011 23:48:11 GMT

Hi kodo07,

Glad you're here!

You'll find good answers to your question on both of these previous posts:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Help-with-my-credit-score/m-p/514898

and

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Different-scores-from-Trans-Union-and-Equifax/m-p/479636

If you get a chance, consider following haulingthescoreup's recommendations from your previous thread.

It's a good exercise and often pretty helpful.

And, if you can, respond to llecs' questions from a second previous thread - they're also very helpful.

Re: Equifax and Trans Union different scores?

Anonymous — Tue, 24 May 2011 13:28:25 GMT

People keep thinking that the scores should be the same or that there is some easy formula to convert one to the other. Neither is the case. They are two separatre scoring systems. Even if the two had identical data they would more often than not produce different results.

Re: Equifax and Trans Union different scores?

CS800 — Tue, 24 May 2011 13:38:18 GMT

Two different formula, both of which no one knows the logic behind and which has more factors that will count against you than for you.

I'm still not sure why a formula that no one knows is used by 99% of lenders to evaluate someone. Still puzzles me that this has been happening.

Bottomline, they might have different items and theeir formula is different so they will never match at least from what i have read.