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98 Point difference between two bureaus - wow

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Anonymous
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98 Point difference between two bureaus - wow

I recently had my credit pulled by a car dealer - no idea if the scores were FICO or not, though the EQ seems like a FICO score.

 

They pulled 608 from EQ. I wasn't shocked by this, as EQ has always hated me, and been my lowest score.

 

But they also pulled EX. 706. Which is the highest score anyone has ever pulled for me.

 

I am in the process of getting my credit report from EX (they can't verify my identity because I'm a Jr. and they are idiots), and once I do I will scour it with a fine toothed comb.

 

In the meantime, has anyone else experienced such a huge disparity?

 

I'd be much happier to just have 2 650s.

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Walt_K
Senior Contributor

Re: 98 Point difference between two bureaus - wow

It's not hard to have a large range when the reports aren't identical.  I have no idea what my EX FICO is, but my EX report is way different than my other two, so I expect I have a much different score.  As you said, you're going to have to look at your EX report to see what is and isn't reporting compared to your EQ report.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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