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EQ vs EX. Huge Difference in score?

Frequent Contributor

EQ vs EX. Huge Difference in score?



I recently had 3 hard pulls.

10/9/13 Equifax Fico (300-850): 681

10/9/13 Experian Fico (300-850): 757

10/11/13 Experian Fico (300-850): 757


Any idea why credit scores between EQ and EX are so different?

I'm pretty sure the EX ones they pulled was FICO 08. I don't know what EQ might have been, 04 maybe?


Can someone please give me some possible explanation?


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Message 1 of 5
Established Contributor

Re: EQ vs EX. Huge Difference in score?

Can be different for everyone obviously but for me at least I found that back in the day some of my student loans didn't report to all of the bureaus, so my history/scores are lower with the bureau with least history. Take a look at your reports to see. Smiley Happy

Message 2 of 5
Moderator Emerita

Re: EQ vs EX. Huge Difference in score?

Message 3 of 5
Senior Contributor

Re: EQ vs EX. Huge Difference in score?

Ive noticed my EQ and Exp are like 30+ pts difference. Hm
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 5

Re: EQ vs EX. Huge Difference in score?

My Equifax is 689 while my Experian is 739 according to Credit One Bank Card and my Transunion is 722 Walmart Fico. The only difference in the reports is the amount of hard pulls but they are all a year old or older on Equifax and I have read that after a year they dont hurt your scores but they stay on for twenty four months. Something I is holding my equifax score down and its beyond me unless its those hard pulls. one falls off this month from 2011 and 4 fall off in Dec so I am hoping that will help.

Closed on home Jan 30, 2013. Yay!

Capital One (secured) $1000.00 | Capital One (former Orchard Bank) $500.00 | First Premier $500.00 | Credit One Bank $750.00 | Wal-Mart $3550.00 | Citi Thank You Preferred $6,800.00 | Discover It $4,800.00 | AMEX BCE $4,500.00
Message 5 of 5
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