A roughly 30 point difference is exactly what we'd predict in FICO 8 between a report with no open loans at all and a report with exactly one loan that is paid down and/or has a long history of payments.
Can you confirm that you have exactly one open loan on the other two reports (a mortgage) and no open loans of any kind on Experian?
Questions about the mortgage::
* What was the original loan amount?
* What is the current balance?
* What is the Date Opened?
All of your answers should be based on how the mortgage data reads on the actual reports.
The solution to the 30 point difference is two fold.
First, you say that you have gathered that the lender does not report to Experian. That sounds like an inference, based on the absence of the record from the EX report. But it it also sounds like you have not confirmed that explicitly with the lender. I would do that. Call them and ask if they report to all three bureaus. It is unusual for a mortgage lender to refuse to report to one of the three bureaus -- typically they report to all three. (Some do in fact only report to 1 or 2 bureaus, but it is not the norm.)
If the mortgage rep says they report to all three, tell them that the mortgage does not appear on EX, and that is why you are calling. Ask if there is a way they can look into this further. Always stay friendly and don't hesitate to make multiple calls or speak with a senior loan officer.
It's possible that they are reporting to EX but due to some computer glitch the record is being sent to the wrong Experian consumer file, which is sometimes called a split file.
There is another solution that will work, called the Share Secured Loan Technique, but explore the question of the missing EX record first.
