topic Re: Why is the Fico score reported on this site different than others I pull? in General Credit Topics

Why is the Fico score reported on this site different than others I pull?

Anonymous — Fri, 13 Dec 2013 17:05:24 GMT

My score on this site was about 30 points higher than when I was offered a free credit score report from my Barclays card. What would cause that much difference and how can I get it to be the same across the board?

Re: Why is the Fico score reported on this site different than others I pull?

Revelate — Fri, 13 Dec 2013 18:31:44 GMT

@Anonymous wrote:
My score on this site was about 30 points higher than when I was offered a free credit score report from my Barclays card. What would cause that much difference and how can I get it to be the same across the board?

The score here is TU '98, the Barclay's score is TU '08.

They simply score the reports differently and there's going to be some disparity between them. I would suggest not focusing on the score: focus on the report data instead. If you have a pretty report, you'll get a pretty score from virtually any risk analysis model FICO or otherwise.

Re: Why is the Fico score reported on this site different than others I pull?

takeshi74 — Sat, 14 Dec 2013 23:05:03 GMT

@Anonymous wrote:
how can I get it to be the same across the board?

You won't. There are so many different models and scores can be based on differing data on reports. All your scores will never be the same.

Re: Why is the Fico score reported on this site different than others I pull?

FinStar — Sun, 15 Dec 2013 06:39:34 GMT

@takeshi74 wrote:
@Anonymous wrote:
how can I get it to be the same across the board?
You won't. There are so many different models and scores can be based on differing data on reports. All your scores will never be the same.

Re: Why is the Fico score reported on this site different than others I pull?

thom02099 — Sun, 15 Dec 2013 16:33:05 GMT

@FinStar wrote:
@takeshi74 wrote:
@Anonymous wrote:
how can I get it to be the same across the board?
You won't. There are so many different models and scores can be based on differing data on reports. All your scores will never be the same.
+1

IF your scores are ever the same, buy a LOTTO ticket right away!!! You're one very lucky person if that should happen!!!