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Score Variance- MyFICO vs Experian

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Binbinimiwi
Frequent Contributor

Score Variance- MyFICO vs Experian

Hey MyFICO fam!

 

So, I'm wondering why MyFICO shows a different score than Experian. Experian shows 691 for my EQ F8 and MyFICO shows 696. The date of the MyFICO score is 8/11/22 and Experian is 8/16/22.

Anyone ever have this happen? If so, which one ended up being right?

 

EDIT: tried to check the EQ score directly, but they only provide a Vantage score. I'm puzzled why they do that instead of giving a FICO score; absolutely weird!

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 1 of 5
4 REPLIES 4
mfinsmi1
Established Contributor

Re: Score Variance- MyFICO vs Experian

They are both correct - scores only update when there is some alertable event they will eventually match up 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 2 of 5
Credit12Fico
Established Contributor

Re: Score Variance- MyFICO vs Experian

Your score can change day by day.  You had 1 score on 8/11 and it changed by 8/16/

Message 3 of 5
SouthJamaica
Mega Contributor

Re: Score Variance- MyFICO vs Experian


@Binbinimiwi wrote:

Hey MyFICO fam!

 

So, I'm wondering why MyFICO shows a different score than Experian. Experian shows 691 for my EQ F8 and MyFICO shows 696. The date of the MyFICO score is 8/11/22 and Experian is 8/16/22.

Anyone ever have this happen? If so, which one ended up being right?

 

EDIT: tried to check the EQ score directly, but they only provide a Vantage score. I'm puzzled why they do that instead of giving a FICO score; absolutely weird!


You supplied the answer to your question: "the MyFICO score is 8/11/22 and Experian is 8/16/22".  They're both right. Things change.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 706 TU 701 EX 692




Message 4 of 5
Binbinimiwi
Frequent Contributor

Re: Score Variance- MyFICO vs Experian

Thanks for all of the responses! This is a great community! 

 

I had a feeling something wasn't right so I scoured my report for a change that would've cause a drop but didn't see anything. As a last resort I reactivated my membership with IdentityIQ and pulled the report and the EQ score matched the MyFICO score. I think EX may be wrong this time. I'll see how it plays out over the next few weeks.

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 5 of 5
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