100 point difference same info

[Anonymous]

So i went over to experian yesterday since you can't get that score here. It said my score was 553, which is weird because my EQ fico is 677 and my TU fico is 671. Also all three reports have the same information except experian has 3 additional inquiries. But 3 extra inquiries isn't enough to have a 100 point difference is it?

[Brusilov]

I don't know the reasoning why but Experian ceased providing MyFico credit scores to consumers a few years ago and what they provide on their website is a proprietary scoring model called the "Plus" score.  AFAIK the only way to get the get your true FICO score is to get it directly from a mortgage lender, or a handful of other lenders that still provide it.

[DaveSignal]

FICO is an easily manipulated number.  Sometimes, something very slight in an account status or a dispute flag on an account can cause a drastic change in score.  I have found, in my case, that having an account in dispute, which changed the status from "customer disputes this information" to "customer disputes this information -- reinvestigation in progress" caused more than a 20 point FICO drop.

So I would look for subtle differences in payment history and account status first.  Also make sure all of your accounts are reporting correct balances and credit limits.   I had also had an account once on EX that was reporting 50% utilization when my util was actually 0 because the creditor had not updated with Experian in the last 6 months.  Fixing this with a dispute caused a major increase in my EX score.

[pizzadude]

---

@Anonymous wrote:
So i went over to experian yesterday since you can't get that score here. It said my score was 553, which is weird because my EQ fico is 677 and my TU fico is 671. Also all three reports have the same information except experian has 3 additional inquiries. But 3 extra inquiries isn't enough to have a 100 point difference is it?

---

This is actually pretty normal, considering that you pulled an EX FAKO score.   There is no correlation between FAKO and FICO scores.

[DaveSignal]

---

@pizzadude wrote:

---

@Anonymous wrote:
So i went over to experian yesterday since you can't get that score here. It said my score was 553, which is weird because my EQ fico is 677 and my TU fico is 671. Also all three reports have the same information except experian has 3 additional inquiries. But 3 extra inquiries isn't enough to have a 100 point difference is it?

---

This is actually pretty normal, considering that you pulled an EX FAKO score.   There is no correlation between FAKO and FICO scores.

---

True, as anything not FICO is FAKO, but sometimes the FICOs here are not the same as the FICO lenders pull... in which case the FICO version here would also be FAKO for practical purposes.

But, EX PLUS is a very similar score range to the FICO version here and weighs similar scoring factors in similar proportions. And so it is a decent way to judge your standing considering that no EX FICO is available for consumers.  I have been tracking my EX PLUS score for 2 years now and usually it is very close to my FICOs for TU and EQ.  The largest discrepancy I have ever seen is 30 points.  If OP notices a 100 point difference between EX PLUS and EQ or TU FICO, then I don't think it can be completely due to the fact that FICO and PLUS are different.  Something else is probably wrong.