2 x FICO Score Summary

[vanillabean]

If you compare the following two summaries, how many points apart would you think they are?

Payment history: Great
Amount of debt: Great
Length of credit history: Great
Amount of new credit: Good

Payment history: Great
Amount of debt: Very Good
Length of credit history: Very Good
Amount of new credit: Not Good

[RobertEG]

Are these different summariies based on scoring by different CRAs, or is it scoring by the same CRA for differnt points in time?.

[vanillabean]

Same myFICO EQ at the same time, for DW and me respectively.

[RobertEG]

Then there is no way to compare.  Different credit report data, different scores, different scoring buckets, etc

Apples and oranges.

[vanillabean]

I see what you're saying. But as the difference was 1 point, I wonder about the differences between great and very good, between very good and good, between good and not good!

[RobertEG]

Moving from one summary category  to another could result from a a minor change in that category, or a major change.

There is no way to compare.

[Anonymous]

Agree it is like comparing apples and oranges. In fact, the second could even have a higher score than the first. For example, my TU score with (Very Good, Very Good, Very Good, Great) is 10 points more than my EQ score with (Good, Great, Very Good, Great) which in turn is 16 points less compared to last month's EQ score also with (Good, Great, Very Good, Great). 

For what it's worth, I recently learned that having exactly 1 open CC and having that report a nonzero balance is considered "Very Good" on "Amount of Debt" in TU, but having 1 out of 3 report a balance or having 2 out of 3 report a balance are both considered "Great" in EF.