topic experian fico score in Understanding FICO® Scoring

experian fico score

choppa02 — Tue, 18 Jun 2013 19:35:13 GMT

I just ordered my experian fico score and it was only 566 my eq score is 639 and my tu score is 636 does anyone know why such a big difference when all three reports are practically the same. I would like to buy a car in the next 6 months now that may not happen :/

Re: experian fico score

llecs — Tue, 18 Jun 2013 19:37:39 GMT

What is different between the three reports, especially EX?

Re: experian fico score

choppa02 — Tue, 18 Jun 2013 20:04:20 GMT

Ex has one extra account opened in the past year and one extra inquiry I dunno why that would cause my score to be about 70 pts off pace

Re: experian fico score

llecs — Tue, 18 Jun 2013 21:57:39 GMT

And to be sure, all 3 scores came from myFICO (or a lender)?

Was the new account a positive account (as opposed to a collection)? And how recent was it opened?

Re: experian fico score

choppa02 — Tue, 18 Jun 2013 23:19:29 GMT

I bought all three scores here. The new account was a negative account that resurfaced it says dec 2012. Tu shows 3 collection accounts but the score is still higher than Ex that shows no collection accounts weird

Re: experian fico score

roastbeans — Wed, 19 Jun 2013 12:32:46 GMT

Re: experian fico score

llecs — Wed, 19 Jun 2013 01:06:21 GMT

@choppa02 wrote:
I bought all three scores here. The new account was a negative account that resurfaced it says dec 2012. Tu shows 3 collection accounts but the score is still higher than Ex that shows no collection accounts weird

Is the account still negative? IME my EX FICO treated baddies with more contempt and got dinged more.

Re: experian fico score

choppa02 — Wed, 19 Jun 2013 11:58:29 GMT

Yes the account is still negative. Bad parenting is the reason why my scores are so low in the first place. Guess all I can do is dispute the negative accounts and see what happens if no luck I have to wait until 2015 when they all come off... thx for the help