45 point difference between different CRA FICO scores?

[SenorDragon]

So I just pulled my TU and EQ scores from here today, 770 and 725 respectively. I knew they were differences amongst the CRA but goodness, 45 points? Granted, I had no inquiries for TU and 3 for EQ so perhaps that was it. I'm looking to apply soon to the green Capital One Cash card, and I think I should be alright given I don't plan to take out a loan anytime soon, hopefully allowing the inquiries to clear up over time. Any thoughts or suggestions?

[fused]

Welcome to the forums!

Are you sure there aren't any other differences between what's on your EQ and TU reports? Look very closely at both reports, you might find some other  differences.

[SenorDragon]

Thank you fused! Yeah, I compared the reports side-to-side and they seem to match up. The TU report mentions the one thing hurting my score is my short revolving account history (7.5 years), whereas the EQ report says three things are hurting my score: new account (CC I just opened in March), seeking credit (the 3 inquiries), and accounts with balances. Weird how the accounts with balances seems to hurt my EQ score but not my TU. Sort of a drag because in reality its only 3 accounts with balances (Auto, 1 CC, and school loan, which shows up as 4 separate accounts).

[llecs]

IME, revolving utilization seemed to ding EQ more than TU. And new accounts seemed to harm my EQ more than TU.

[GregB]

Same experience for me.

When my Revolving increased from $29K to $147K due to divorce my EQ FICO (Beacon 5.0) was hit for 36 points but my TU FICO (Classic 98) was only hit by 18.

Current Revolving is down to $82 and EQ gained 3. TU has gained 0.

ETA: Before reports were pulled same day and showed identical accounts. After reports pulled same day and also showed identical accounts.

[Booner72]

My EX is at least 40 points higher and I thought this was bc EX didn't have a judgment listed.  But now the judgment is gone off all 3 and my scores still vary this widely.  Boy, I sure wish I knew.

[SenorDragon]

Sort of relieved I'm not the only one with such a variance. I was aware they'd be different due to different data, weights, etc. but didn't think it would be more than 20 or so points. I imagine such large gaps could possibly translate into significant differences in interest rates, depending on where the scores are pulled from.

[MarineVietVet]

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@SenorDragon wrote:

Sort of relieved I'm not the only one with such a variance. I was aware they'd be different due to different data, weights, etc. but didn't think it would be more than 20 or so points. I imagine such large gaps could possibly translate into significant differences in interest rates, depending on where the scores are pulled from.

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If you look at my scores you'll see a bigger score swing than even yours. TU has always been the thorn in my side but I learned to live with it a long time ago.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".