Experian FICO8 way higher than TU FICO8?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Here is what the TU report shows. The X stands for "unknown" on the TU report. The legend also shows N/R for not reported. EX report shows ND, for no data. Maybe that is the difference?

But there is still no huge jump on EX during this time.

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@Anonymous I don't see anything negative about that account. I don't believe the payment grid means anything, for what it's worth, but there's nothing negative there either.

The algorithm looks at the text fields where it says current account and the lack of highest level of delinquency with a corresponding number of days means it's a good account, imo. Is that from ACR?

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Yes, from ACR.

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@Anonymous and you have no other derogatory accounts?

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Correct. Nothimg else derogatory is showing on TU or EX. The only other would be that EQ is only showing lates for the closed auto loan.

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[Anonymous]

@Anonymous forgive me if I misunderstand, but the vehicle loan with lates is on EQ & the chargeoff is on TransUnion & EX? 

[Anonymous]

No worries,  I know this can get convoluted. 

The FP credit card charge off appears on all 3. The auto loan shows on all 3, but the lates only show on EQ. They have been removed from EX and TU. 

[Anonymous]

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@Anonymous wrote:

No worries,  I know this can get convoluted. 

The FP credit card charge off appears on all 3. The auto loan shows on all 3, but the lates only show on EQ. They have been removed from EX and TU. 

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@Anonymous yeah that seems kind of odd to me as well. How many inquiries do you have on each bureau? And I'll tell you this discovers Interface is funky sometimes but Ive never had a confirmed score discrepancy. They will be funny about what they show and their statistics sometimes though.

I am at a loss for discrepancy but I'm also at a loss for why your industry standard scores on Experian are so far from your classic. 

what's your age of youngest revolver and youngest account? How many total accounts do you have on your CRs?

[Anonymous]

@Anonymous :

TU inquiries-
Regular: 4 total.
3 all on the same day in June 2019 when I opened my current car loan. The other is May 2020, when I opened a new Cap1 card.

EX inquiries-
Hard: 8 total.
5 all on the same day in June 2019 when I opened my current car loan.
1 in May 2020, when I opened a new Cap1 card.
1 from JPMCB Card, in Feb 2020. Very possible that I applied for a card.
1 from JPMCB Auto in Sept 2019. This one seems odd, don't recall this at all. Only a few months into my car loan. No reason that I would be applying. Only thing I can think would be to refi, but I haven't done one yet 18 months in.

10 accounts total.

6 open, all in good standing and nothing negative ever.

4 closed. 2 were always in good standing. 1 was previous car loan that now has lates removed, 1 is FP charge off.

Youngest revolver and youngest account are both Cap1 card opened in May 2020.

[Anonymous]

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@Anonymous wrote:

@Anonymous:

TU inquiries-
Regular: 4 total.
3 all on the same day in June 2019 when I opened my current car loan. The other is May 2020, when I opened a new Cap1 card.

EX inquiries-
Hard: 8 total.
5 all on the same day in June 2019 when I opened my current car loan.
1 in May 2020, when I opened a new Cap1 card.
1 from JPMCB Card, in Feb 2020. Very possible that I applied for a card.
1 from JPMCB Auto in Sept 2019. This one seems odd, don't recall this at all. Only a few months into my car loan. No reason that I would be applying. Only thing I can think would be to refi, but I haven't done one yet 18 months in.

10 accounts total.

6 open, all in good standing and nothing negative ever.

4 closed. 2 were always in good standing. 1 was previous car loan that now has lates removed, 1 is FP charge off.

Youngest revolver and youngest account are both Cap1 card opened in May 2020.

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@Anonymous well the inquiries over a year should not be counting towards your score anyway. so it looks like you have one inquiry on Trans Union and either one on Experian, scoreable, since one should've aged off EX last month.

strange, sorry I don't have an answer for you. 

[Anonymous]

@Anonymous One more question what's the date of last update on each bureau?

[Anonymous]

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@Anonymous wrote:

@Anonymous One more question what's the date of last update on each bureau?

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Do you mean on the report, or on the score?

For the TU report,  it says generated 2/25/21. On the Discover app showing the score, it says as of 2/07/21, but it always takes a few days after that I finally see it update. For last month, that was on 2/11.

For the EX report, it was generated on 2/25/21. On the EX app showing the score, the EX F8 says 2/26/21. The TU and EQ F8 shown in there both are very outdated,  showing as 9/02/20. The Discover credit scorecard site shows the EX F8 as of 2/26/21.

[Anonymous]

@Anonymous neither one LOL. The account/tradeline. 

[Anonymous]

@Anonymous  Lol, sorry. As I said, this gets convoluted. So, which tradeline? The now closed auto loan? TU report shows last update 9/12/2017, and EX report shows October 2017. This is right about when it was paid off and closed

Or, did you mean the FP charge off? TU and EX report both show last update 2/07/21.