Experian FICO8 way higher than TU FICO8?

Anonymous · ‎02-25-2021

I signed up for the free EX account, so I could see what my scores were looking like. I also get TU score for free from Discover.

EX app is showing at 762. This blew me away, as TU reports at 662. 100 point difference. I know to expect some variation, but 100 seems way far apart.

Just pulled reports for both, and they are both showing the same data, including my 1 derogatory. That is estimated to fall off around October.

I did not sign up for boost, so that should not be the reason.

Does EX get shady and say it is showing FICO8 but is really showing Vantage 3, hoping to get you to pay for the expanded service? Because my Vantage 3 from TU is exactly 762.

Also, EX shows my other scores, and all range from 567 to 599. Again, I get that there is going to be some variation among the models, but 160-200 difference seems extreme. I just was looking at doing a refi on my auto loan. Original loan was for 19k at 15.09%. Did a pre qualify with Ally, came back at 5.24%, and the agent didn't give a score but said I was considered top tier for auto loans. EX is showing Auto 8 568 and Auto 2 583. Seems very low in comparison.

Any insight as to what might be going on?

thornback · ‎02-25-2021

The free Experian service provides your FICO score - it's not a bait and switch type of thing - that's not to say there couldn't possibly be some sort of error.

You can go to Discover Scorecard (different from the Disco cardmember login) and sign up to pull your EX FICO 8 again to confirm:

https://creditscorecard.com/login

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-26-2021

Well, I had no idea about the separate scorecard from Discover. Thank you for that.

This shows EX F8 at 765. While very close to EX F8, it just deepens the divide from TU F8, as well as the other EX FICO models.

Anonymous · ‎02-26-2021

@Anonymous wrote:
I signed up for the free EX account, so I could see what my scores were looking like. I also get TU score for free from Discover.

EX app is showing at 762. This blew me away, as TU reports at 662. 100 point difference. I know to expect some variation, but 100 seems way far apart.

Just pulled reports for both, and they are both showing the same data, including my 1 derogatory. That is estimated to fall off around October.

I did not sign up for boost, so that should not be the reason.

Does EX get shady and say it is showing FICO8 but is really showing Vantage 3, hoping to get you to pay for the expanded service? Because my Vantage 3 from TU is exactly 762.

Also, EX shows my other scores, and all range from 567 to 599. Again, I get that there is going to be some variation among the models, but 160-200 difference seems extreme. I just was looking at doing a refi on my auto loan. Original loan was for 19k at 15.09%. Did a pre qualify with Ally, came back at 5.24%, and the agent didn't give a score but said I was considered top tier for auto loans. EX is showing Auto 8 568 and Auto 2 583. Seems very low in comparison.

Any insight as to what might be going on?

@AnonymousGive us your profile details fom your ACR reports, and comb them for differences, there must be some. Must source from annualcreditreport.com, they are the most accurate and free weekly through April.

Anonymous · ‎02-26-2021

Here it is. Just pulled last night.

No differences that I can see.

Adverse:
First Premiere- Charge Off. $873 of $700 limit, estimated to fall off October 2021.

Satisfactory:
Capital One Auto- $19.2k loan, 15.09%. Started June 2019, principle now at $14.5k. Always paid on time including extra each month towards principle.

Capital One Card- $176 of $500 limit. Always paid on time.

Capital One Card- $197 of $800 limit. Always paid on time.

Discover Card- $99 of $2300 limit. Always paid on time.

Kohls/Capital One- $88 of $1500 limit. Always paid on time.

Webbank/Fingerhut- $0 of $1200 limit. Always paid on time.

Closed:
Webbank/Fresh Start- Shows as installment account. Current, closed August 2018. This was a Fingerhut fresh start account. Upon closing it graduated to their store card.

Commenity/Wayfair- Shows as charge account. Current, closed September 2020. IIRC, Commenity closed all Wayfair accounts. Balance was zero at closing.

Wells Fargo Dealer Services- Auto loan, closed September 2017. This one had numerous 30/60/90 day lates. Once it got late, it was never really up to date. However the lender would mark some months as paid, others as late. A few weeks ago, my score jumped. Looking into the report, all the lates had been removed. Where the there was lates now showed a ND/No data. This seemed to correspond with the 7 year mark of DoFD, so they dropped the entire batch of them. Both EX and TU show the same for this. On my current EQ, it is the opposite. Only shows lates, and the other months say No Data. But this is EQ, and not EX/TU where I am seeing the big divide

thornback · ‎02-26-2021

So what's the date on the TU FICO 8 pulled from Discover, the same or very close to the EX FICO?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-26-2021

@thornback wrote:
So what's the date on the TU FICO 8 pulled from Discover, the same or very close to the EX FICO?

It was last updated 2/12

thornback · ‎02-26-2021

And so no score since then for TU? A lot can change in 2 weeks... TU may have increased and you just don't know it. There's no free FICO site for TU as far as I know - you'd have to get the $1 trial through Experian to see all 3 scores... (lol, I feel like this suggestion is giving credence to your original theory about the free EX service) - just cancel before the trial ends.

But I agree that your FICO 8s for TU and EX should be much more in line with one another if the same data is present on each report.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-26-2021

@thornback wrote:
And so no score since then for TU? A lot can change in 2 weeks... TU may have increased and you just don't know it. There's no free FICO site for TU as far as I know - you'd have to get the $1 trial through Experian to see all 3 scores... (lol, I feel like this suggestion is giving credence to your original theory about the free EX service) - just cancel before the trial ends.

But I agree that your FICO 8s for TU and EX should be much more in line with one another if the same data is present on each report.

Correct, no TU F8 since then. Discover only updates once a month.

January it was 651. February it jumped to 662. I figured that that was due to the string of lates from the prior auto loan being dropped.

I pulled reports 1/24, 2/11, and 2/25. No significant changes just minor balance fluctuations. Nothing that I would ever imagine to cause that big jump.

EX app shows a time-line graph, and it is just a slow steady climb. No big jumps at all.

thornback · ‎02-26-2021

@Anonymous wrote:
Correct, no TU F8 since then. Discover only updates once a month.
January it was 651. February it jumped to 662. I figured that that was due to the string of lates from the prior auto loan being dropped.

I pulled reports 1/24, 2/11, and 2/25. No significant changes just minor balance fluctuations. Nothing that I would ever imagine to cause that big jump.

EX app shows a time-line graph, and it is just a slow steady climb. No big jumps at all.

hmm.. I would imagine a string of lates dropping off would offer a bit more than an 11 point boost, especially if their severities included 60, 90+-days -- but I could absolutly be wrong. When did those lates drop from each report,? -- which of the 3 reports (1/24, 2/11, or 2/25) pulled first shows lates removed?

Your only other derogatory/negative left on both TU and EX is the almost 7 year old charge-off then, correct?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.