99 point Difference?

[anca21bi]

My TU fico score and my Equifax score have a 99 point difference! Would this be correct?  Earlier this month when I checked my Experian score, it was close to my TU score.  I'm using Scorewatch and Fico monitoring for my results.

[smallfry]

Get your "real" reports and go over them with a fine tooth comb. Not the FICO reports.

[granny031350]

I thought the reports here were "real"  If not, where does one find the "real" reports?

[Anonymous]

It can be rare, but I have seen all three bureaus have a significant score spread. The reason that the scores differ is because not all creditors report to all three bureaus so if a collection agency reported to Transunion, for example, that score would be affected adversely while the other two scores are left unaffected since the account was not reported to those two bureaus. Keep in mind that one component of a FICO score is based on risk with the type of financing you are applying for so your bureau score may differ if the hard pull is a credit card lender versus a mortgage lender. 99 points is a big difference but I did see one report once with one bureau in the 500's, one in the 600's, and the other score in the low 700's! The derogatory tradelines just were not reported to the bureau with the score in the 700's. It is for this reason that the secondary market pulls a tri-merge report and bases the credit on the middle credit score and the middle lower score for multiple borrowers. A tri-merge report gives a much more accurate credit depiction. 

[MidnightVoice]

Last year at one point I had:

EX - 687, EQ - 799, TU - 788

[Anonymous]

I Just pulled all three of mine from here and EQ 610 TU 659 EX 694. Then i went to all the sites and pulled each but the only difference I see after the comparsion is EX has one less account on it Then the other two. I am trying to figure out how to get EQ up to or near TU.

[Anonymous]

Interesting post and as usual does not seem to make sense how much inconsistency, my recent scores here from myFICO complete as of 07/28/08; Trans; 673 Efax; 607 Exp; 703 Almost a 100 point difference and does not seem to coincide with others post, meaning that one Credit Bureau scores harder than others-as usual makes no sense? I need to get my Efax up closer to my other scores-how do I do it? Yup, same question we all need to know K-Man

[smallfry]

Equifax absolutely hates new accounts. Stop applying for new credit and give it 2 years. Seriously.

[anca21bi]

Thanks everyone for the replys.  Equifax is my lowest score that isn't even close to my other fico scores.  They suck