Confused on scoring

[JoeAC2RE]

Experian via their app has my score at 677

American Express on their "my credit guide" has my Experian score at 662. Both state Fico 8 scores, both say it's up to date,  but I can't understand why the difference?  Any Ideas?  Is there one place that you can get all your valid scores? Thank you. 

[Thomas_Thumb]

I suspect the reported scores were pulled on different dates. Often the score references a date pulled - check it and compare.

Our files are in constant flux where accounts are updated with new payment and balance information. For example, if a couple CC accounts provided new monthly statements with significantly different balances that could easily shift score 10 points. 

[Vinjints]

You can get all your valid scores here for a price. Or, just EQ for free. Ex has free score on their site. 

[Patient957]

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@JoeAC2RE wrote:

Experian via their app has my score at 677

American Express on their "my credit guide" has my Experian score at 662. Both state Fico 8 scores, both say it's up to date,  but I can't understand why the difference?  Any Ideas?  Is there one place that you can get all your valid scores? Thank you. 

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Credit reports and credit scores are a snapshot in time, so they could be different depending on the date they're pulled, as @Thomas_Thumb mentioned.

The Experian app updates daily, whereas your score from Amex only updates monthly.  So go by the one you get directly from Experian, since it's up to date and is the same score a lender would see if they pulled your Experian Fico 8 today.

[Seatac]

I think  I read your question differently than the others. I don't think you are asking about Date Certain reporting.

The way I read your question goes to AMEX Experian DATA MODEL versus Èxperian itself. 

AMEX, CHASE, CAP 1, USAA, DISCOVER etc. Have their own data models.  They get the data from a CRA they contract with and then apply their own rules, values or weights to the different pieces of Information. 

Sometimes with some Card -CRA combinations the number from FICO and the CRA is the same as the Card issuer sometimes  it isn't 

Every lender/Card issuer does this. Some cards MIGHT for example be really risk adverse and absolutely hate see lates on a credit application. That company MIGHT choose to evaluate reports with late payments LOWER than the CRA they got the data from does.

Does that help?

[JoeRockhead]

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@Seatac wrote:

I think  I read your question differently than the others. I don't think you are asking about Date Certain reporting.

The way I read your question goes to AMEX Experian DATA MODEL versus Èxperian itself. 

AMEX, CHASE, CAP 1, USAA, DISCOVER etc. Have their own data models.  They get the data from a CRA they contract with and then apply their own rules, values or weights to the different pieces of Information. 

Sometimes with some Card -CRA combinations the number from FICO and the CRA is the same as the Card issuer sometimes  it isn't 

Every lender/Card issuer does this. Some cards MIGHT for example be really risk adverse and absolutely hate see lates on a credit application. That company MIGHT choose to evaluate reports with late payments LOWER than the CRA they got the data from does.

Does that help?

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You're correct in that a lot of lenders do have their own internal scores, but they're not providing their proprietary score, or their own version of Fico scores.  Those varying versions of Fico "X" scores are what's seen from the big three CRAs, as Fico allows for variances to a certain degree to their scoring models for each bureau according to each CRA's preferences.  Generally the only time a lender's internal proprietary score might be revealed to a consumer is when there's a denial. 

As stated up thread, the OP is likely seeing two Experian Fico 8 scores pulled from different dates.  

[Thomas_Thumb]

As a follow-up Experian used to provide a couple other scores such as Experian National Equivalency (on credit.com) and the Experian Plus score on their web site. The web site even offered Experian VantageScore 3.0. 

However, all sources that list Experian Fico 8 as the scoring model are using data supplied by Experian thru the same Fico algorithm. The only difference is the time dependent data set.

As mentioned, CC issuers update scores once a month in bulk. A new score on a statement may have been pulled a week prior to a statement date.

[FicoMike0]

Since there are 24 hours in a day, different data can be pulled on the same date. 

[Realist]

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@JoeAC2RE wrote:

Experian via their app has my score at 677

American Express on their "my credit guide" has my Experian score at 662. Both state Fico 8 scores, both say it's up to date,  but I can't understand why the difference?  Any Ideas?  Is there one place that you can get all your valid scores? Thank you. 

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I understand your concern.  I can bounce around to nearly two dozen websites, and most of them will say my score is not perfectly identical.  I don't sweat the few.  I want to see a larger picture.

With that said, is it not ideal to take each and every score accessible to you, and attempt to average them out?   At least as a ballpark idea that you can do quick math in your head?  

Everyone is entitled to free credit reports, so there you can figure out what seems to be the most update and locked in FICO score so far.  But, I find that if you are pursing excellent credit methods, the ballpark methods, and some are accurate, these to be more than enough.

When you collect enough datapoints, I find the accuracy becomes a little more accurate.  I don't simply log into one site, view the score, and say yep, that's the score.  I check a number of them and take an approximate average.  MyFICO here likes to keep me updated as well.  Everything, everything has been aligned very well.