An example of FiCO score variance

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No deep purpose to this post, other than to illustrate what a nasty little thing VARIANCE is.   I pulled all 3 FiCOs within the last 24 hours.  The delta between my high score and low score is ...

145 points.

[Anonymous]

Dayum VistaV!

I wonder what could be facilitating such a variance!

[Anonymous]

Was this with actual FICO scores or FAKO scores?   My Fico scores are actually less than 10 points apart as of yesterday.  

At one point my scores had a huge variance but it was due to there being 2 collections on EQ, 1 collection on EX, and none on TU.

[Anonymous]

There has to be a difference in the three files for this kind of variance.

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SerenityBound wrote:

Dayum VistaV!

I wonder what could be facilitating such a variance!

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  lol

OK, i was mistaken.  That LOW score was from PRIOR to a CA being removed via DV.  The variance is only 99 points now.  So I can interpolate that DV resulted in about 46 points.

The existing 99 point delta has to  primarily be a UTIL issue.  The offending CRA has not updated a significant balance that the other two have.  I will let you guess the offending CC co and CRA.

Message Edited by VistaV on 03-11-2008 12:57 PM

[Anonymous]

lol see?!

as for guessing the offending CC that's anybody's guess but I would guess that EX was the offending CRA as they usually are lol. Keep in mind I'm still a newbie!

so, am I halfway correct?

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SerenityBound wrote:

as for guessing the offending CC that's anybody's guess but I would guess that EX was the offending CRA as they usually are lol. Keep in mind I'm still a newbie!

so, am I halfway correct?

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Yes, you are half correct.  (Or two thirds depending on your puzzle skills)