AMEX FICO 8 vs. Experian FICO 8

Anonymous · ‎10-14-2015

Hi All,

Quick question. I have two "Experian" FICO Score 8's that are different. The one my credit card gives says its a 729, but Experian says its a 754. I'm guessing I should take it directly from the horses mouth, and believe the Experian version. Why would they be so different, if they are from the same bureau and use the same scoring model? Experian gives you a score and access to a report for $1, just cancel before the 7 day trial is over. AMEX gives it as a perk each month.

Thomas_Thumb · ‎10-14-2015

Experian offers their own a plus score as well a Fico 8 score. Verify which one you are getting from Experian. The Experian Plus score by itself is available free.

Even if they both are Fico 08, the dates the actual scores were pulled are likely not the same. That can make a difference. I checked my EX Fico 8 score today through AMEX but the score was from a report pulled 9/30.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

Anonymous · ‎10-14-2015

My AMEX is from the same date as you and says 723. My Experian FICO 8 was generated yesterday and says 754. I thought it might have been a FAKO score, but it clearly says FICO Score 8 powered by Experian above the number. Thanks for your input!