So I am currently rebuilding but got an update that an account was add to my experian through MYFICO. I checked, 24 point gain. Checked EX, that one, it only gained 5 points. Only change is the account being added. Why the difference? What is the more accurate one? Both are the 8 scores.
30 day post DC
60 days post DC
94 days post DC
Where exactly are you checking EX? And does it show update same date as myFICO?
@AllZero wrote:
Where exactly are you checking EX? And does it show update same date as myFICO?
The 26 point gain was MYFICO 8 through here and the 5 point gain was EX 8 itself. Both last update was today.
Your EX could have included other information as well which made the jump not as significant they do report even if it pops up at the same time some things at different times than others. MyFICO will give you the most updated Score information they receive when they update from that B so it's likely that it's not the same information causing the difference in points rather EX updated a few things and the only gain on their end was the 8
Q: You say myFICO alerted you to a 24 point gain, but the Experian service only alerted to a 5 point gain... so is the descrepency only with the # of gained points claimed? In other words, do the actual Experian FICO 8 score provided by each service differ, or are they the same?
@thornback wrote:Q: You say myFICO alerted you to a 24 point gain, but the Experian service only alerted to a 5 point gain... so is the descrepency only with the # of gained points claimed? In other words, do the actual Experian FICO 8 score provided by each service differ, or are they the same?
MYFICO gave a 24 point gain that put me over 600. EX site gave only a 5 point gain but is still under 600. As far as I can tell, both reports are listing the same info. If the scores equaled out to the same I would have figured it was merely catching up. But, nope. two different scores on for the same company. Only thing I can think off is MYFICO is not letting some lates/CO being listed after I filed BK to effect me.
You know its really annoying to get multiple 20+ point jumps and not know why.
You aren't wrong. Whats worse is when you get the drop and dont know why. Atleast if you know, you can fix it. LOL. I could small jumps as things age and utilization changes but a 20+ jump up, you would think something big happened.