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Fico 8 on experian vs myfico

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AllyDais
New Member

Fico 8 on experian vs myfico

Both accounts say they are showing me my equifax fico8 scores, but they are 60 points apart. They both say as of today. Has anyone had this happen? Which site is more reliable?

Message 1 of 24
23 REPLIES 23
FicoMike0
New Contributor

Re: Fico 8 on experian vs myfico

Are you sure experian is showing an Equifax score?  I think even the paid version only updates experian daily. Still, 60 points is a big difference.  Maybe ex is showing a dated eq score. Keep us updated.

 

Message 2 of 24
CorpCrMgr1
Established Contributor

Re: Fico 8 on experian vs myfico

Never.

Message 3 of 24
FireMedic1
Community Leader
Mega Contributor

Re: Fico 8 on experian vs myfico


@AllyDais wrote:

Both accounts say they are showing me my equifax fico8 scores, but they are 60 points apart. They both say as of today. Has anyone had this happen? Which site is more reliable?


Your on EX looking at EQ scores? One might be a vantage score.


Message 4 of 24
AllyDais
New Member

Re: Fico 8 on experian vs myfico

Yes I'm sure. I checked a lot because i was so confused. After seeing that I paid for the premium version of myfico and the transunion score was 2 points different, the equifax was identical, and the equifax was a 64 point difference.

Message 5 of 24
FireMedic1
Community Leader
Mega Contributor

Re: Fico 8 on experian vs myfico


@AllyDais wrote:

Yes I'm sure. I checked a lot because i was so confused. After seeing that I paid for the premium version of myfico and the transunion score was 2 points different, the equifax was identical, and the equifax was a 64 point difference.


Still confused. What program outside of MyFICO are you seeing the 64 point difference?


Message 6 of 24
AllyDais
New Member

Re: Fico 8 on experian vs myfico

It said fico 8 and had the date of April 2, so did myfico. Maybe experian didn't have updated info or something? I have no clue.

Message 7 of 24
AllyDais
New Member

Re: Fico 8 on experian vs myfico

I was only using experian and myfico to see my fico scores.

Message 8 of 24
AllyDais
New Member

Re: Fico 8 on experian vs myfico

I'm sorry, that should say the experian was identical and the equifax was a 64 point difference 

Message 9 of 24
FlaDude
Established Contributor

Re: Fico 8 on experian vs myfico


@AllyDais wrote:

I'm sorry, that should say the experian was identical and the equifax was a 64 point difference 


Thanks for the clarification. I'll have to agree with the other posters that a difference like that from different sources is pretty unusual. I've never gotten EQ scores from Experian, but I've gotten multiple scores from different sources on the same day before and they always match or maybe vary a point or two. Have you compared the reports provided from both sources to see if there are any differences? Have you done this comparison in the past? If so, did they match then? Is it possible that Experian is not pulling the right report for your EQ  score (possibly someone else with a similar name or SSN)? Comparing the full reports on that date should make it apparent if that is happening.

 

Also a possibility is that Experian is showing a different flavor of FICO 8. FICO 8 CC scores range up to 900 so often are quite a bit higher than the vanilla FICO8 scores.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 10 of 24
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