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Does FICO score differ between bureaus with same info?

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Anonymous
Not applicable

Does FICO score differ between bureaus with same info?

So I was wondering if my EX and TU report were to have 100% identical info if I would end up with the same score or if scoring is applied a little differently based on crb.

I currently have an 803 TU and 804 EQ but 770 EX. Pretty minor differences between all 3 reports. The only thing I can think of would be a 21 year old Amex account that reports to TU and EQ but not EX. Even with that account my overall aaoa on my EX is higher than EQ. I always assume aaoa was more important than the age of you oldest account but that's the only major difference, and it seems that a 34 point difference for that one thing is a little crazy. Just curious what your thoughts were.

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CH-7-Mission-Accomplished
Valued Contributor

Re: Does FICO score differ between bureaus with same info?

The scores will differ by bureau with the exact same information.  Each CRA gets to "tweak" the particular score they are using, so in reality TU's FICO 08 is different from EQ's FICO 08 which is different from EX's FICO 08.

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Anonymous
Not applicable

Re: Does FICO score differ between bureaus with same info?


@CH-7-Mission-Accomplished wrote:

The scores will differ by bureau with the exact same information.  Each CRA gets to "tweak" the particular score they are using, so in reality TU's FICO 08 is different from EQ's FICO 08 which is different from EX's FICO 08.


Yep. My TU is 815 and my EX is 799 with precisely the same info. EQ still have my tax lien, so it's way lower.

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