Discover scorecard vs Experian TU score

[Anonymous]

So weird my monthly discover pull was 694

Up from 685 in March, pulled Experian version of fico today and it still says 685, anyone ever seen this before? Nothing new on my report between April 11th and today absolutely nothing changed on my report

[AzCreditGuy]

Ive noticed that certain credit card Ficos lag behind to update information, they seem to be 1 to 2 months behind sometimes on my scores 

[Anonymous]

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@Anonymous wrote:

So weird my monthly discover pull was 694

Up from 685 in March, pulled Experian version of fico today and it still says 685, anyone ever seen this before? Nothing new on my report between April 11th and today absolutely nothing changed on my report

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I'm going to guess that one of your aging metrics is now a multiple of 3. Like 'Age of Youngest Account (AoYA)' 3, 6, or 9 months.

I've seen this several times before with my own profile: See here for TU 8 +7 at AAoA 9mo, for example.

You can definitely get points from aging on EQ/TU and not see any movement on EX.

[Anonymous]

No it's my TransUnion pull provided by Experian sorry if I wasn't clear

[Anonymous]

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@Anonymous wrote:

No it's my TransUnion pull provided by Experian sorry if I wasn't clear

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No, you were clear....I wasn't. haha Totally misread that.

Yeah, that is weird. I would trust Experian's report to be up to date more than any other. It's always been the fastest for me.

Any changes from 3/11 to today that you can think of?

[Anonymous]

I think there's something discovers service picked up on that Experian didn't, between 3/11-4/11 I got debt under 20k got an installment loan paid down from over 100% to under 88.9%, a couple revolvers cross the 1 year mark, newest account over 3 months, installment loan age over 1 year. think it's something the experian report isn't factoring in the actual score number that disco is

Also had ton of inquiries age off as far as scoring including car loan multip pull but I was at 21 so I doubt that's it

[Anonymous]

@AnonymousNeither Discover nor Experian calculate that score. Both query Transunion, who provides both the score and data.

I don't know if $20,000 is a threshold, but what did your individual and aggregate utilizations change from and to?

Seemed to be a couple installment points somewhere around 92% for me, but I'd have to have confirmation. The 89% (commonly referred to as 88.9%) is a revolving threshold I know, but I don't know if we have any reports of an installment threshold there. Anyone know? Common wisdom has one around 65% and the biggie at 9%, but there have been reports of others without sufficient corroboration I'm aware of.

Revolvers crossing the 1 year mark offer no points unless it's the youngest revolver or it causes an AAOA/AOYRA threshold to be crossed. BUT, you are in a dirty scorecard, so you won't get points when your youngest revolver turns 12 months anyway. Sorry. Good news is no new account penalties in that scorecard either, so the only damage is HP and age.

Depending on scorecard, the youngest account turning 3 months could offer a couple points, doubtful on a dirty card. Loan crossing a year is doubtful as well.

Multiple inquiries aging off should offer points (keeping in mind loan HPs are combined as one in certain timeframes, 45 days for all but EX2 which is 14 days. (Plus if you have a ton, you get nothing because they stop penalizing after a point.) Edit: I was reading too quick, you're not getting any points back from the inquiries because you've got too many, i'm sure your past where they charge for them. 

Looks like you've had a real busy file this last 30 days, so it would be expected for the scores to differ and it would be impossible to determine what caused what. Very odd the number would be the exact same as before though.

[Anonymous]

Thank you for all the explanation and information, the information and reporting of the scorecard and Experian are the same excluding a 100$ cli on Capone Walmart, which would not make score go back down, same time period, ex and eq both went up so I'm kind of assuming the discover is correct I'm in azeo, with 1 percent reporting for March and april,  for April 9200 in a available credit with $36 reporting, yes march> April was very busy had inqs unscore, a 1k cli on a navy card bringing the limit from 500 to 1500, paid the one installment under 90%, paid 600 down on my car loan of a shade over 11k, so yeah I had a lot going on, like I said I'm thinking the 694 is correct and something is up with the Experian version

Not like it matters I'm in deep garden till 2021 at least, it's actually shocking to me new accounts isn't a code on my file tbh, I opened I think 8 in 2019 and 1 this year in March have toyed with closing the bucket cards and credit one but holding off on covid environment

[Anonymous]

@AnonymousDo you have any delinquencies, charge-offs, collections or bankruptcy? Do you have any baddies that put you in a dirty scorecard? Because a new account will not be a code because it’s not a segmentation factor for dirty profiles.

If you’re completely clean and you have a revolver under 12 months of age and you don't have that negative reason code, that’s crazy.

That would be highly irregular if that Experian score was not real time. I’ve never heard of that happening. But if that were the case, I would contact Experian customer service for a refund or a new pull.

[Anonymous]

Oh no, sorry I'm new to this still and don't understand between dirty, and clean cards etc

No i for sure have 120 day late payments from 2013 that will be falling off of ex July of this year (whole string), eq April 2021,  TU June of 2021 (excluding EE miracles) so that makes sense for no new account codes, I need to find good threads about scorecards. 

What is weird is discover scorecard said 6 inquiries, and now says 5 when In reality I legit had over 20 scorable on TU, including a new one in March for nfcu after last pull, I just figured that they automatically lumped the car inquiries, and an accidental Wells double pull, so maybe that's where the increase came from idk, would make sense eq and ex are both now under max damage for inquiries and about 4 unscored on each, that could be where those bumps came from