Puzzled????

[jadeite788]

How come my equifax and my experian scores differ vastly different but yet they have the same information on them???? the only difference is experian has 2 inquires and equifax only has 1.  Am I missing the boat here.

[NewbieReed]

Are u talkin about your FICO score from Equifax and FAKo from Experian? They are probably using different scoring models.

[jadeite788]

Well my experian score listed  is pulled by a lender, my fako score is much lower than the lender pull.  Equifax score is a FICO score.  

[llecs]

For clarity...you want to know why your EQ FICO differs from your EX FICO?

If that's it...where both scores pulled on the same day? How much different were the scores?

Look at both reports side by side as porvided from the lender. What is different between both reports? Are you 100% all of the reports report to both? Are the stati exactly the same? Balances exactly the same?

[jadeite788]

I had figured it out yesterday.  I had a repossession back in October of 2008, they reported the wrong info such as charged offs/ and 180 days late after the repossession.  Then they had the audacity to put repossession Nov 2012.  So I disputed Experian online about the balance inquiry because that was the only one that fit my category.  I stated Date of Repossession should be October 2008 not November 2012.  So right now its pending.   Thats not cool at all.