FICO scoring with Inquiries

[FicoNoobiski]

Had my scores from all three credit bureaus pulled recently.  All three different as well.  The only differences being the different amount of inquiries.  I do have a short history with an old judgement so perhaps that maybe a contributing factor to such a difference of score, with the different amount of inquiries (short history with major degro bucket?).  Amount of inquiries:  Transunion 1, Equifax 2, Experian 3.

Transunion 677, Equifax 661, Experian 644

[Anonymous]

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@FicoNoobiski wrote:

Had my scores from all three credit bureaus pulled recently.  All three different as well.  The only differences being the different amount of inquiries.  I do have a short history with an old judgement so perhaps that maybe a contributing factor to such a difference of score, with the different amount of inquiries (short history with major degro bucket?).  Amount of inquiries:  Transunion 1, Equifax 2, Experian 3.

Transunion 677, Equifax 661, Experian 644

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That's not unusual at all.  What would be unusual is for all 3 scores to be the same.  Each CRA has their own scoring model so you should expect them to be different.  Your are actually pretty close as compared to other peoples'scores.

[FicoNoobiski]

I was under the impression that since, all three are FICO 08 scores, they would be the same if the credit reports are the same. I know, mines shouldn't be because of the differect numbers of inquiries each burea has. Has anyone have 3 same numbers across the board? Or have the same exact credit report and different scores?

I know you say it's close, but 33 points is a large difference, especially when it's putting me in different teirs for loan rates.

[MarineVietVet]

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@FicoNoobiski wrote:
I was under the impression that since, all three are FICO 08 scores, they would be the same if the credit reports are the same. I know, mines shouldn't be because of the differect numbers of inquiries each burea has. Has anyone have 3 same numbers across the board? Or have the same exact credit report and different scores?

I know you say it's close, but 33 points is a large difference, especially when it's putting me in different teirs for loan rates.

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Mine are all the same but that is the exception.

[TRC_WA]

Mine are in a 35 pt range... With a lot of lingering INQs (10-15) from 2013 that are due to start falling off in 2015.

You can probably guess which report has the most and which has the least... The accounts are the same across all 3.  Only difference is INQs.