33 point spread between my scores. Why so much?

[masscredit]

I'm trying to figure out why there is a 33 point spread between my 08 scores. I can understand 10, maybe 15 points. 33 seems to be a lot. I just looked over my reports. This is what I have -

EQ - 690 - 7 open cards - 15 closed - 4 INQ

TU - 657 - 7 open cards - 16 closed - 5 INQ

EX - 672 - 7 open cards - 15 closed - 7 INQ

BK on each. DC 6/22

Utilization is barely 1%. One card reporting $35.

The info on each report is pretty much the same. I recently received 2 new cards. They aren't reporting yet. I'm suprised so many lenders pull EX. I've always considered that one the least used. 

Should I be looking at anything else to figure this out or does each CB weigh things differently? 

[GZG]

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@masscredit wrote:

I'm trying to figure out why there is a 33 point spread between my 08 scores. I can understand 10, maybe 15 points. 33 seems to be a lot. I just looked over my reports. This is what I have -

EQ - 690 - 7 open cards - 15 closed - 4 INQ

TU - 657 - 7 open cards - 16 closed - 5 INQ

EX - 672 - 7 open cards - 15 closed - 7 INQ

BK on each. DC 6/22

Utilization is barely 1%. One card reporting $35.

The info on each report is pretty much the same. I recently received 2 new cards. They aren't reporting yet. I'm suprised so many lenders pull EX. I've always considered that one the least used. 

Should I be looking at anything else to figure this out or does each CB weigh things differently? 

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perhaps the reporting of all of the BK accounts differ slightly, are they all reporting exactly the same?

[masscredit]

@GZG  For EX, each IIB account has a note of Potentially Negative. When I click on the account to view details, it shows lates from 30-180 days then CO.  EQ and TU don't have a Potentially Negative note. And when I click on the IIB accounts, they all say Unrated or Bankruptcy.  All this might not matter. EX is my middle score.

[SouthJamaica]

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@masscredit wrote:

I'm trying to figure out why there is a 33 point spread between my 08 scores. I can understand 10, maybe 15 points. 33 seems to be a lot. I just looked over my reports. This is what I have -

EQ - 690 - 7 open cards - 15 closed - 4 INQ

TU - 657 - 7 open cards - 16 closed - 5 INQ

EX - 672 - 7 open cards - 15 closed - 7 INQ

BK on each. DC 6/22

Utilization is barely 1%. One card reporting $35.

The info on each report is pretty much the same. I recently received 2 new cards. They aren't reporting yet. I'm suprised so many lenders pull EX. I've always considered that one the least used. 

Should I be looking at anything else to figure this out or does each CB weigh things differently? 

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1.  33 points isn't so much. I often have spreads of that size or even bigger.

2.  Each bureau has its own version of the algorithm.

3.  As to the data in their reports, "pretty much the same" isn't the same as "exactly the same"

4.  More than half of my inquiries are always with EX, so for me it's the one that's most used.

[AndySoCal]

@masscredit  On the Experian report where are the late dates and charge off in relation to the BK? Was it before, during or post discharge of the Bk?