EXPERIAN SCORE GOES UP 100 PTS IS THAT POSSIBLE?

[celeste45]

i am very confused with the fico scoring system. I recently checked my ficos and the scores are transunion-566 equifax-582 experian-732 (as of 2/7/08) 100 pt increase from 617. is this possible? im still working on the other reports, disputes, dv, etc. can someone answer my question please or has anyone else experienced this type of wide range between scores?

[Anonymous]

Does Experian have less collection or delinquent accounts reporting than it had the first time you pulled it? or as compared to the other CBR;s?

[Anonymous]

You said you have open disputes?

This is the most likley reason-

Execpt for public records and Collections- TL's in dispute are removed from scoring-

[Junejer]

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@celeste45 wrote:

i am very confused with the fico scoring system. I recently checked my ficos and the scores are transunion-566 equifax-582 experian-732 (as of 2/7/08) 100 pt increase from 617. is this possible? im still working on the other reports, disputes, dv, etc. can someone answer my question please or has anyone else experienced this type of wide range between scores?

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Celeste, you state that you are working on the other reports, which must mean that the information reported on EX is quite different from the other two CRAs.

Take a look at the scores in my siggy. At the height, there was a 178 point difference between the high and the low. As I get TU & EX to fix the erroneous information and get a GW on another item on TU, the scores will be more closely aligned with EQ.

[Anonymous]

Hi,

This happened to me when midland showed a transfer from an account I had with spiegel/ bought it and then my score dropped a bunch of points when they added a TL.  Look for that.  I hope it does not happen to you too.I am still waitinf for a DV letter response

Trying to clean it up

[taggl00]

this happens to me in my score watch through expreian, also. i'll get an alert that my score went up +120, then a week later i get an alert -120. i have nothing pending and nothing has changed. this happens about every three to four months....curious

[Anonymous]

When I first started cleaning up my reports I had some 100+ point jumps in both directions.  Most of my accounts are cleared up now and the scores stay pretty steady but still slowly increasing as I gather a positive payment history.

[bott6698]

Does this mean companies that you apply for credit for that ONLY go by pulled scores you would be able to trick into granting credit LOL. Like for example the machines in stores that you apply for store cards only pull scores. Would be nice if we found a way to trick the system LMBO.

[haulingthescoreup]

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@taggl00 wrote:

this happens to me in my score watch through expreian, also. i'll get an alert that my score went up +120, then a week later i get an alert -120. i have nothing pending and nothing has changed. this happens about every three to four months....curious

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Hi, tagg, welcome to the forums!

You might actually have a different problem: a split file.

First of all, just so I'm clear, if you have Scorewatch, it's your Equifax score that's jumping around, not your Experian, right? I always tangled the two up when I first started learning about credit because of the e-x thing. Scorewatch tracks Equifax (EQ.) If you have a credit monitoring service from Experian, the score that they're giving you is not a FICO, it's what we call a FAKO, and basically worthless.

So anyway, what caught my eye was your saying that your score is going up and down by the identical figure. That often indicates that part of your total credit file has "broken off." Most accounts are on one chunk, and the rest are on the other. Depending on what's on which chunk, you can get wildly different scores, depending on which chunk gets accessed at scoring time.

If you saved the reports that come with the high and low scores, and you compare them, is the same information on each one?

If you do have a split file, it can be put back together again, but it's a huge pain in the butt. You'll have to call Equifax (which is closed on weekends) to start the process. And again, if this was Experian, then I dunno. EX (Experian) has much more stable software than EQ and TU, and I don't know if their files ever split.