topic myfico score/Barclays apple fico difference in General Credit Topics

myfico score/Barclays apple fico difference

Anonymous — Thu, 06 Mar 2014 19:40:18 GMT

Hello all, this is my first post. I was just curious about my score. I purchased my scores on myfico and compared it to the free fico I get from my barclays apple card.

From the little online searching I did I believe barclay pulls from TU. Myfico TU score is 736 as of today, Barclays fico score say 705 update on 2/19/14. i dont know why it would such a differnce. It would make more sense if I they pulled EX because then myfico EX and the barclay fico would be less than 10 point difference. Anyone have anything similar?

Re: myfico score/Barclays apple fico difference

Anonymous — Thu, 06 Mar 2014 20:39:40 GMT

I believe it's a case of MyFIco -> TU 98, Barclay -> TU 08. Different models applied to identical data will produce different results.

Also, there is time difference of a couple of weeks between the scores, and something may have changed on your report.

Re: myfico score/Barclays apple fico difference

adozark — Fri, 07 Mar 2014 06:00:15 GMT

@Anonymous wrote:
Hello all, this is my first post. I was just curious about my score. I purchased my scores on myfico and compared it to the free fico I get from my barclays apple card.

From the little online searching I did I believe barclay pulls from TU. Myfico TU score is 736 as of today, Barclays fico score say 705 update on 2/19/14. i dont know why it would such a differnce. It would make more sense if I they pulled EX because then myfico EX and the barclay fico would be less than 10 point difference. Anyone have anything similar?

Mine was off by 3 points but they haven't updated my score for a little more than two months, it's kind of annoying because a lot has changed on my credit report and I yet Barclay still uses the same score that is now 50 points less than my actual TU score.

Re: myfico score/Barclays apple fico difference

takeshi74 — Fri, 07 Mar 2014 13:19:57 GMT

@Anonymous wrote:
Different models

There's a sticky on this in the FICO Scoring suforum.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Difference-in-Scores/td-p/2384297