FICO Differences

Anonymous · ‎03-21-2018

How can a credit score be 58 points different between Experian and Equifax and 54 points different between Experian and Trans Union when they all 3 show the same exact information?

sueblue34 · ‎03-22-2018

I just asked this question as was informe dthat they all use different algorithms in how they come up with your score.

My EX is about 30 point lower than EQ and TU on F8. Let me not evn talk about Fico9.....my scores are way lower.

Anonymous · ‎03-23-2018

+1^ yup, that's just how they are reported.

Anonymous · ‎03-23-2018

@AnonymousHow can a credit score be 58 points different between Experian and Equifax and 54 points different between Experian and Trans Union when they all 3 show the same exact information?

Are the 3 scores being generated at the same exact time using the same scoring model, or are you pulling them from 3 different places?

If they are the same scoring model and pulled at the same time, the highest variance I've ever read about on these forums is 36 points. If you're seeing 54-58 points, to me that suggests that something in fact is not the same between all of your reports. I would obtain hard-copy reports from all 3 bureaus and go through them line by line, looking at every date, number, comment, etc.