Yep. There is a different formula for each CRA. Another reason why scores differ.
can I expect my true fico's from TU & EX to be higher or lower generally?
Yes.In theory they should be similar, but the FICO from eash CRA uses a slightly different formula, some companies report to one and not the other, some of them update faster than others etc, etc.For example, on a day last week, my EX was 61 points lower than my EQ which was 42 points lower than my TU. That is a 102 point range
Oh wow!! I learn something new ever day. The FICO is slightly different for each CRA? Or each CRA reports the data different to the FICO scoreing system. Either way, I had no idea. I thought FICO was calculated the same way for each model. Now I am confused. Please confirm I understand this correctly. I don't believe I have any room to take advantage of the differences in relation to score do I? I just only figured out EQ.