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Is there a question or just thinking out loud?
Are those all FICO scores? TU and EQ from Credit Karma maybe?
Ok, since you're not responding, I'm going to assume you got your EX score directly from Experian or one of your cards like Discover.
The reason you're seeing a huge discrepancy is because Credit Karma provides TU and EQ VantageScore 3.0 scores (some refer to as FAKO), it's mostly meaningless because just about no lenders uses it for credit decisions. On the other hand your EX score is most likely FICO 8 score that is widely used by most lenders, it's not unusual to see a huge difference between the two scoring models like in your case. You can obtain your TU and EQ FICO 8 scores by signing up at creditchecktotal.com $1 7day trial, it will provide FICO 8 score for all 3 bureaus, just make sure to cancel before the end of the 7 day trial to avoid being charge the full subscription price.
@Anonymous wrote:Ok, since you're not responding, I'm going to assume you got your EX score directly from Experian or one of your cards like Discover.
The reason you're seeing a huge discrepancy is because Credit Karma provides TU and EQ VantageScore 3.0 scores (some refer to as FAKO), it's mostly meaningless because just about no lenders uses it for credit decisions. On the other hand your EX score is most likely FICO 8 score that is widely used by most lenders, it's not unusual to see a huge difference between the two scoring models like in your case. You can obtain your TU and EQ FICO 8 scores by signing up at creditchecktotal.com $1 7day trial, it will provide FICO 8 score for all 3 bureaus, just make sure to cancel before the end of the 7 day trial to avoid being charge the full subscription price.
Welcome Bryan, and the info above from Oldman is good advice. Get ahold of your Fico scores. Once you've done that, if you still see a big variance in scores, there is a reason for it. That is when you want to compare all 3 reports to see where the differences may be.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |