Different scores with the same data?

Anonymous · ‎10-24-2019

Most people that post their scores seem to have different FICO 8 scores for each of the different bureaus. When there is differences in the data (i.e. more inquiries at one bureau), I would expect that. But I've seen a few posts that seem to be saying that they have different scores even when the reports at the three bureaus are identical.

I thought TU, EQ, & EX licence the FICO 8 code from FICO, so as long as the inputs are the same, then the score should be the same. Do the different bureaus tweak the code, so a FICO 08 score from EX is not exactly the same thing as a FICO 08 score from TU?

thornback · ‎10-24-2019

@Anonymous wrote:
Do the different bureaus tweak the code, so a FICO 08 score from EX is not exactly the same thing as a FICO 08 score from TU?

Yes. Exactly that.

Scores between the bureaus for reports with identical info can, and typically do, vary anywhere between 5-15 points - totally normal.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎10-24-2019

Found my scores varied with identical information between the three credit bureaus. Surprised me!

Trudy · ‎10-24-2019

Yep. It seems evident to me by the many post regarding the varying effects on their score across the 3B's with the same action when all report data is identical. Included in that, certain bureaus are bullet proof for some, whereas that bureau may seem most volatile to another's profile. it seems the bureau's can then add additional weights to the FICO algorithm pieces of the pie. ?.?

But it's up to us to figure it out: FICO +100, Bureau's +5000, Me, just trying to pay my bills and have good credit.

FICO - 8: 05/05/23

FireMedic1 · ‎10-25-2019

If all 3 CRA's had the same identical protocols to give a score if the info matched. Then why have 3 CRA's? They all have different tweaks to give the score they produce. Imagine if Equisux was the only CRA? God help us.

BK Free Aug25

Anonymous · ‎10-26-2019

Thank God Equifax is not the only CRA.

I don’t think they can adjust the percentages of the pie because that’s published information but I think they can vary certain things within each piece of the pie.