FICO Score changes

[Anonymous]

I had a banruptcy discharged in Oct 2010. I have had excellent credit since, no high balances, no missed payments or late charges, yet my FICO score has barely moved in the 8 years ( 4 points in the past 2 years).  My Transunion and Experian scores have gone up and are now in the low to mid 700's. Im just curious as to why my FICO Scores haven't gone up as high as the other two credit bureaus.

[rbentley]

When you refer to the scores from "the other two bureaus" are you refering to the scores you are getting from Credit Karma or some other free site, because those are not FICO scores.  More detail would help us diagnosis your problem.

[Anonymous]

Those scores are from a Tri Merged Credit report that was recently pulled and compared to one from two years ago. and my two scores from have gone up 15-20 points.

[rbentley]

I would suggest you get a report from CCT using the 7 day/$1 trial offer.  https://www.creditchecktotal.com

[DollyLama]

---

@Anonymous wrote:

Those scores are from a Tri Merged Credit report that was recently pulled and compared to one from two years ago. and my two scores from have gone up 15-20 points.

---

Do you apply for a mortgage recently? That is what is usually done with a tri-merge report to obtain "mortgage" scores, which vary and sometimes drastically to FICO 8 scores. So you may be comparing a 2 yr old FICO score to a current other scoring model, mortgage score, auto score, etc.