Experian FICO8 way higher than TU FICO8?

[Anonymous]

@Anonymous  something I just noticed today. On EX app where it shows the industry specific models and other FICO scores, it says those are from September 2019. At the time F8 was at 607. So that makes sense that those scores are so low. I have come a long way since then.

Also, when I logged into EX via desktop,  I was able to see a better graph of the score. There was in fact a huge jump right around Feb 11. This corresponds with the jump in my V3. 

Something that might have caused this is.....First Premier. In early January I sent them a debt validation letter. Was hoping to get some copies of statements,  etc as others have done. I received two letters from them dated January 21. One said that they had no duty to validate, but still did. The other said they have now marked it as disputed. No idea why,  as I never even mentioned a dispute. Reports still show it as CO, and nothing about it being in dispute. 

[Anonymous]

Yeah I was asking about the chargeoff because if the dates of update had been different, that could’ve been the cause for the difference in score.

The spike was probably due to the dispute lasting for just a day. The remarks are supposed to be removed when the dispute is closed.

[Anonymous]

@Anonymous 

I guess the dispute would make sense for the spike. But the spike was 3 plus weeks after the letter was dated. Not sure how long that could take to report.

EX app and site are both still showing the score as of 2/25/2021, so no change evident yet. How often should that update?

Waiting for the monthly TU update to see if there is any big changes. Should be in a few days. 

[Anonymous]

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@Anonymous wrote:

@Anonymous 

I guess the dispute would make sense for the spike. But the spike was 3 plus weeks after the letter was dated. Not sure how long that could take to report.

EX app and site are both still showing the score as of 2/25/2021, so no change evident yet. How often should that update?

Waiting for the monthly TU update to see if there is any big changes. Should be in a few days. 

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@Anonymous The spike was the day they processed it most likely. If you're using the free service from Experian, it updates usually once every 30 days; sometimes they'll throw you an extra update if certain things happen I believe.