topic EQ vs EX. Huge Difference in score? in Understanding FICO® Scoring

EQ vs EX. Huge Difference in score?

kkapdolee — Fri, 18 Oct 2013 04:16:24 GMT

Hi,

I recently had 3 hard pulls.

10/9/13 Equifax Fico (300-850): 681

10/9/13 Experian Fico (300-850): 757

10/11/13 Experian Fico (300-850): 757

Any idea why credit scores between EQ and EX are so different?

I'm pretty sure the EX ones they pulled was FICO 08. I don't know what EQ might have been, 04 maybe?

Can someone please give me some possible explanation?

Thanks.

Re: EQ vs EX. Huge Difference in score?

Marcos8 — Fri, 18 Oct 2013 04:26:09 GMT

Can be different for everyone obviously but for me at least I found that back in the day some of my student loans didn't report to all of the bureaus, so my history/scores are lower with the bureau with least history. Take a look at your reports to see.

Re: EQ vs EX. Huge Difference in score?

Anonymous — Fri, 18 Oct 2013 04:36:35 GMT

OP, please do not double post in separate forums.

Please refer to original post:

http://ficoforums.myfico.com/t5/General-Credit-Topics/Equifax-vs-Experian-Huge-difference-in-score/td-p/2522681

Thanks!

Re: EQ vs EX. Huge Difference in score?

youngandcreditwrthy — Fri, 18 Oct 2013 05:08:56 GMT

Ive noticed my EQ and Exp are like 30+ pts difference. Hm

Re: EQ vs EX. Huge Difference in score?

Anonymous — Fri, 18 Oct 2013 05:27:45 GMT

My Equifax is 689 while my Experian is 739 according to Credit One Bank Card and my Transunion is 722 Walmart Fico. The only difference in the reports is the amount of hard pulls but they are all a year old or older on Equifax and I have read that after a year they dont hurt your scores but they stay on for twenty four months. Something I is holding my equifax score down and its beyond me unless its those hard pulls. one falls off this month from 2011 and 4 fall off in Dec so I am hoping that will help.