Equifax score low?? - myFICO® Forums - 439819

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Why is my Equifax score always 35-40 points lower than my other two scores? I have double checked all three reports and they have the same things on them, but my Equifax score is always 35-40 points lower.

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6 REPLIES 6

Simple answer is that the three major CRAs have different algorithms that are used to generate the FICO scores that they use. Each of the CRAs have certain things that they weigh more heavily than the others.

If you don't mind, post back here what you have on your reports and some of the more knowledgeable members can chime in.

Elan Visa Business Cash Preferred | $50K 3/2024

AmEx Business Blue Cash | $38.8K 12/2021

AmEx HiltonHonors Surpass | $34K 6/2022

FNBO Evergreen | $25K 11/2021

Chase Freedom Unlimited | $20K 11/2021

Chase Freedom Flex | $20K 4/2022

Chase Marriott Bonvoy Boundless | $18.5K 3/2024

SW Priority Card | $18.5K 3/2019

Chase Southwest Performance Business | $17K 11/2022

Discover IT Card | $16K 7/2020

Capital One Venture One Card | $5.1K (SD) 12/2007

Chase Ink Business Unlimited | $5K 12/2021

AmEx EveryDay Preferred | $1.1K 3/2019

AmEx Blue Cash Preferred | apping Not sure when

2023 Genesis GV80

Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge

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Don't take it too personally, Equifax hates me too!

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Me three!

EQ: 648

EX: 681

TU: 891

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EQ is much harder on derog info then the others

1/25/2021: FICO 850 EQ 848 TU 847 EX

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And another! Every other score has been going up but EQ..in fact it just went down for no reason!

Although in 1 year it has gone up 40 points lol

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I beg to differ, sir.

IMO, TU is the toughest - on everything.

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