What can cause drastic difference in score across CB?

[Anonymous]

Hi - So, recently my Experian number fell to 619.  No negatives, some inquiries, but nothing negative at all.

My TU is at 719 and EQ at 691.

Why such the big gap there?

[Anonymous]

Hello @incontrol2017,

I have read about credit scores never being constant and change with + or - 25 points easily every month varied with reference to their model algorithm. As long as we are trending in the right direction with no high util %, paying on time and causing no HP with new applications, expect it to grow over the time.

Regards,

Dhi

[Kree]

Recently I had a TU score quite a few points below  the other bureaus.  My MyFICO report showed nothing wrong or strang, but when I looked at my report directly from TU there was an account erroneously reporting a 30d late.

I would suggest, if you haven't already, going directly to Experian to check your report, there might be something there that shouldn't be.

[thornback]

Assuming these are FICO scores you are referencing - something significant had to happen to see a 100 point drop (per the scores in your signature) on only one bureau. Do you have access to your last EX report with the 717 score and the current report with the 619 score so you can compare line by line? Did this drop happen all at once, or is this the cumulative effect of small drops over time?

[Anonymous]

As soon as this happened at the beginning of the month, I pulled that report and NOTHING.  Nothing drastically changed, nothing was negative, nothing.  

[Anonymous]

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@AnonymousAs soon as this happened at the beginning of the month, I pulled that report and NOTHING.  Nothing drastically changed, nothing was negative, nothing.  

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When you say you pulled that report, where did you get it from?

[Anonymous]

I subscribe to this website's monitoring and I pulled it from here.