Experian score difference

[Anonymous]

Could anyone explain why my Experian score is always the lowest with a 20+ point difference between EQ and TU? All my cc, loans are reporting to all 3 bureaus. What gives?

[Revelate]

They weight things differently so some disparity is expected in FICO 8 and earlier; however, looking at your signature line my guess is you have more scoreable inquiries on Experian?

[Anonymous]

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@Anonymous wrote:
Could anyone explain why my Experian score is always the lowest with a 20+ point difference between EQ and TU? All my cc, loans are reporting to all 3 bureaus. What gives?

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Is your bureau data identical across all 3 bureaus, or are there variances.  Rev brings up inquiries, a common factor that would be different across the bureaus.  Even with identical bureau data, a 10-20 point variance between top and bottom FICO 8 score is pretty common, with up to 30 points or even a little higher not being out of the question.

[Anonymous]

Odd, for me it's the opposite

My Experian is 799 but TU and EQ are in the 720 range.

All have the same info.

Not sure at all how they calculate a score but it's not always lower for everyone

[Anonymous]

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@Anonymous wrote:

Odd, for me it's the opposite

My Experian is 799 but TU and EQ are in the 720 range.

All have the same info.

Not sure at all how they calculate a score but it's not always lower for everyone

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You aren't comparing scores across the same scoring model.  A variance up to around 30 points isn't uncommon, but you're not going to see a 70-80 point variance across bureaus with the same scoring model and the same bureau data.  If you're comparing an EX FICO 8 score against TU/EQ VS 3.0 scores from Credit Karma or something perhaps, but that would be an apples to oranges score comparison.