Drastic difference between Credit Scores. What gives?

Anonymous — Mon, 27 Sep 2010 22:58:08 GMT

Hello.

I'm somewhat new to myFico. I have been trying to repair my credit so I can buy a home and in the last month and a half I have raised my credit score 36 points. My Transunion and Equifax Fico scores are both 632 now. I pulled my report and score directly through experian because myFico didn't offer them and my score for Experian is 585! That's almost a 50 point difference!!!The strangest thing is that all three credit reports are identical in terms of accounts, history, payments...etc except there is one additional auto loan that was reported to my experian account that wasn't reported to the others. But the auto loan should raise it higher because I was always on time with my payments and the account is paid in full (And the account reflects this). What gives?!?!

-David

Re: Drastic difference between Credit Scores. What gives?

MarineVietVet — Mon, 27 Sep 2010 23:11:57 GMT

@Anonymous wrote:
Hello.
I'm somewhat new to myFico. I have been trying to repair my credit so I can buy a home and in the last month and a half I have raised my credit score 36 points. My Transunion and Equifax Fico scores are both 632 now. I pulled my report and score directly through experian because myFico didn't offer them and my score for Experian is 585! That's almost a 50 point difference!!!The strangest thing is that all three credit reports are identical in terms of accounts, history, payments...etc except there is one additional auto loan that was reported to my experian account that wasn't reported to the others. But the auto loan should raise it higher because I was always on time with my payments and the account is paid in full (And the account reflects this). What gives?!?!

-David

Welcome to the forums.

The scores sold at experian.com are not FICO scores. They are called "Plus" scores and cannot be compared to FICO scores in anyway. No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. However the reports you get from Experian are accurate.

The TU and EQ scores here at myFICO are true FICO scores.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

topic Drastic difference between Credit Scores. What gives? in General Credit Topics

Drastic difference between Credit Scores. What gives?

Re: Drastic difference between Credit Scores. What gives?