topic Re: 50 Point difference between scores, WHY? in Rebuilding Your Credit

50 Point difference between scores, WHY?

neptunejcw — Tue, 18 Jun 2013 04:43:44 GMT

Theres a 50 point difference between my TU fico 674 & my fico Ex 620, my EQ is 646 also. Theres the same thing on all of my credit reports, all reporting the same thing. Why is my scores has such a big gap?

Re: 50 Point difference between scores, WHY?

germese1975 — Tue, 18 Jun 2013 07:13:23 GMT

I'm wondering the same thing.... I know they are using different calculations, but my disparity is even greater than yours from my highest score to lowest:

EX 683, EQ 627, TU 616. All FICO from here.

Re: 50 Point difference between scores, WHY?

Shogun — Tue, 18 Jun 2013 08:29:38 GMT

Are they showing the same information on each of the CRAs? They often have different information on them. Compare them side by side and see if there's any difference.

Re: 50 Point difference between scores, WHY?

fishbjc — Tue, 18 Jun 2013 14:37:16 GMT

My TU and EQ are about the same score, yet there are quite a few differences between the two.

Re: 50 Point difference between scores, WHY?

neptunejcw — Tue, 18 Jun 2013 16:06:23 GMT

All 3 is reporting the same thing except my Ex has a Cap One chargeoff that falls off next month. I suspect that wont give me a 40 point boost though

Re: 50 Point difference between scores, WHY?

Anonymous — Tue, 18 Jun 2013 17:24:48 GMT

Even if you had identical information an all three reports, all three scores would be different. It is due to the differences in formulas for each CRA.