Problem with Experian score?

[team_audi]

I have noticed that my experian score is (599) with equifax (648) and transunion (640)

Why such the huge gap? I have checked over my report from all 3 just today and dont notice anything different really. Nothing late or derog, paying on time. This score was also pulled with Mycreditkeeper and not the Myfico option.

Any ideas?

[heirophant]

Maybe you have more inquiries in a short period pulled from your Experian report?

[haulingthescoreup]

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@team_audi wrote:

I have noticed that my experian score is (599) with equifax (648) and transunion (640)

Why such the huge gap? I have checked over my report from all 3 just today and dont notice anything different really. Nothing late or derog, paying on time. This score was also pulled with Mycreditkeeper and not the Myfico option.

Any ideas?

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You pulled FAKO scores, and no one has any idea whatsoever how they come up with those. If your FICO's (the real scores) also show EX lower, heirophant might be right, because EX does tend to drop scores on those with lots of inquiries, just as EQ tends to drop if you have lots of lates (see my scores below!), and TU drops if you have lots of accounts with balances --even low balances --or don't have a mortgage.

But trying to figure out the logic behind FAKO scores will kill a lot of time --not enough data to know what they're pretending to say.

[Anonymous]

That is not that big of a difference in scores.  The three files can actually hold different info.  One bureau may have a longer history versus the other.  Account status differences such as paid as agreed or unrated.   I find tht at one point there was a diference of about 30 points in my scores.

Message Edited by Brammy on 12-04-2007 08:22 AM

[team_audi]

I have 3 inq this year for EX and 6 overall for 2 years... I have 22 inq for EQ overall... and 7 inq for TU

Just pulled a Fico EX and got 610 (better)

Message Edited by team_audi on 12-04-2007 07:50 AM