Why is my Experian so much lower than my walmart or myfico

[Anonymous]

New to this and I am about to start applying for a mortgage loan so I checked a few sites for my scores and  Myfico was 704 Walmart fico 721 so was pretty happy ,but Experian was 580! That is a huge difference and terrible. I got that score from the free annual report site where you pay 4.95 after the report for you score.   Why is there such a gap and are they accurate and should I be okay getting a mortgage loan. My income is around 65000 before bonus. Thank you in advance for any help you can provide.

[llecs]

None of the scores offered when purchasing through the free annualcreditreport.com site are FICO scores. Your EX FICO could be much different. You are also comparing your EX report to your TU report and there can be a stark contrast between reports.

Income doesn't matter to FICO scoring since income isn't considered.

[Anonymous]

ok thank you and should my score be high enough considering the walmart and myfico are decent. The income was only included incase it was relevent to obtaing a home loan.

[coldnmn]

Welcome to the forum. Were there any negatives on your EX not showing on your other reports. That also could be the reason for the difference.