Big Difference in TU and EQ Fico

[mikieb209]

Pulled both EQ and TU today.

EQ Fico 637

TU Fico 607

I compared both reports and everything is exactly the same, All balances show the same amount and both have 1 paid collection. Inquiries are pretty much the same. Any idea why this would be?

[Anonymous]

Two different scoring formulas -- EQ 08 and TU 98.

This means that various report items may be weighted differently.

[mikieb209]

Ok Thank you

[masscredit]

Mine is like that too (see signature).  Only thing that I've found different is one tax lien reports on one but not the other.  Both show 4+ liens so it's pretty much a wash. 

[mikieb209]

Also my barclay Fico score is 633 which gets closer to the EQ fico score.

[Revelate]

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@mikieb209 wrote:

Also my barclay Fico score is 633 which gets closer to the EQ fico score.

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Barclay's a a TU '08 model so that's to be mostly expected for an identical report.  Unlikely to precisely match but they'll be in the same ballpark as the EQ '08 found here.

[mongstradamus]

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@Revelate wrote:

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@mikieb209 wrote:

Also my barclay Fico score is 633 which gets closer to the EQ fico score.

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Barclay's a a TU '08 model so that's to be mostly expected for an identical report.  Unlikely to precisely match but they'll be in the same ballpark as the EQ '08 found here.

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My EQ from scorewatch here and my TU ficos from discover/walmart are about 5 points apart, so thats pretty darn close imo. It wasn't like the big discrepency it was before :-) Last year my TU fico from discover was almost 100 pts different than my fico tu98 and EQ scores.