topic Re: Score Variance- MyFICO vs Experian in General Credit Topics

Score Variance- MyFICO vs Experian

Binbinimiwi — Wed, 17 Aug 2022 17:50:22 GMT

Hey MyFICO fam!

So, I'm wondering why MyFICO shows a different score than Experian. Experian shows 691 for my EQ F8 and MyFICO shows 696. The date of the MyFICO score is 8/11/22 and Experian is 8/16/22.

Anyone ever have this happen? If so, which one ended up being right?

EDIT: tried to check the EQ score directly, but they only provide a Vantage score. I'm puzzled why they do that instead of giving a FICO score; absolutely weird!

Re: Score Variance- MyFICO vs Experian

mfinsmi1 — Wed, 17 Aug 2022 17:53:56 GMT

They are both correct - scores only update when there is some alertable event they will eventually match up

Re: Score Variance- MyFICO vs Experian

Credit12Fico — Wed, 17 Aug 2022 17:59:17 GMT

Your score can change day by day. You had 1 score on 8/11 and it changed by 8/16/

Re: Score Variance- MyFICO vs Experian

SouthJamaica — Wed, 17 Aug 2022 21:20:20 GMT

@Binbinimiwi wrote:
Hey MyFICO fam!

So, I'm wondering why MyFICO shows a different score than Experian. Experian shows 691 for my EQ F8 and MyFICO shows 696. The date of the MyFICO score is 8/11/22 and Experian is 8/16/22.
Anyone ever have this happen? If so, which one ended up being right?

EDIT: tried to check the EQ score directly, but they only provide a Vantage score. I'm puzzled why they do that instead of giving a FICO score; absolutely weird!

You supplied the answer to your question: "the MyFICO score is 8/11/22 and Experian is 8/16/22". They're both right. Things change.

Re: Score Variance- MyFICO vs Experian

Binbinimiwi — Thu, 18 Aug 2022 01:12:36 GMT

Thanks for all of the responses! This is a great community!

I had a feeling something wasn't right so I scoured my report for a change that would've cause a drop but didn't see anything. As a last resort I reactivated my membership with IdentityIQ and pulled the report and the EQ score matched the MyFICO score. I think EX may be wrong this time. I'll see how it plays out over the next few weeks.