Can someone please help me make sense of this?

[SouthJamaica]

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@User1072839 wrote:

TU makes you pay to see your score. EQ gives you a vantage score, which is the same as CC.

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Neither TU nor EQ will give you a FICO score.

[NoHardLimits]

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@User1072839 wrote:

Scores a month ago:

EX 708

EQ 750

TU 745

Foreclosed mortgage account falls off: 

EX 795

EQ 724

TU 707

Credit ratings are a SCAM. This makes ZERO SENSE.

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Besides the Vantage Score vs FICO issue, it's also possible that the removed foreclosure tradeline moved you to a different scorecard.  Was that your only delinquency?

[HowDoesThisAllWork]

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@NoHardLimits wrote:

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@User1072839 wrote:

Scores a month ago:

EX 708

EQ 750

TU 745

Foreclosed mortgage account falls off: 

EX 795

EQ 724

TU 707

Credit ratings are a SCAM. This makes ZERO SENSE.

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Besides the Vantage Score vs FICO issue, it's also possible that the removed foreclosure tradeline moved you to a different scorecard.  Was that your only delinquency?

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@NoHardLimits 

Exactly the point I was going to bring up.

First of all, as so many others have suggested, Experian is the FICO score (likely, FICO 8 - there are many FICO scores....28 I believe is that number).  So this score is legit.  Quote Unquote.  Meaning, this is the score that the world would see if the world were to pull your credit scores (well, very likely....).

The Equifax and Transunion scores from Credit Karma are the Vantage Score 3.0 scores, specifically.  This is a TOTALLY different scoring model and is free.  Capital One uses this (if you have a Capital One Credit Card) as do so many "services".  Mostly, I would guess, because it is free.  Credit Sesame also gives you the Transunion VantageScore 3.0 score (as do NerdWallet, WalletHub, et al).

The other side to this is that - assuming that this was the only "baddie" - this event very likely moved the OP from a dirty profile to a clean profile.  It is somewhat common when someone has a baddie and that baddie is removed (falls off due to age, Goodwill Letter, or whatever the case might be) that their score drops.  Kinda - at first glance, anyway - makes no sense.

But it does.....if you understand how FICO works (well, not sure that toooooo many of us can say that we do....I know that I sure as s**t have very little idea of how it works, and I am looking at the Scoring Primer all the dang time).  There are eight "clean" profiles and four "dirty" profiles in FICO 8.

But, let's see what happens once the OP looks at all FICO scores and is no longer "mixing and matching" (FICO and VantageScore).