myfico score/Barclays apple fico difference

[AZ2014]

Hello all, this is my first post. I was just curious about my score. I purchased my scores on myfico and compared it to the free fico I get from my barclays apple card.

From the little online searching I did I believe barclay pulls from TU. Myfico TU score is 736 as of today, Barclays fico score say 705 update on 2/19/14. i dont know why it would such a differnce. It would make more sense if I they pulled EX because then myfico EX and the barclay fico would be less than 10 point difference. Anyone have anything similar?

[user5387]

I believe it's a case of MyFIco -> TU 98, Barclay -> TU 08.  Different models applied to identical data will produce different results.

Also, there is time difference of a couple of weeks between the scores, and something may have changed on your report.

[adozark]

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@AZ2014 wrote:

Hello all, this is my first post. I was just curious about my score. I purchased my scores on myfico and compared it to the free fico I get from my barclays apple card.

From the little online searching I did I believe barclay pulls from TU. Myfico TU score is 736 as of today, Barclays fico score say 705 update on 2/19/14. i dont know why it would such a differnce. It would make more sense if I they pulled EX because then myfico EX and the barclay fico would be less than 10 point difference. Anyone have anything similar?

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Mine was off by 3 points but they haven't updated my score for a little more than two months, it's kind of annoying because a lot has changed on my credit report and I yet Barclay still uses the same score that is now 50 points less than my actual TU score. 

[takeshi74]

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@user5387 wrote:

Different models 

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There's a sticky on this in the FICO Scoring suforum.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Difference-in-Scores/td-p/2384297