Fico 8 on experian vs myfico

[SeeingTheLight]

I agree with you @AllyDais .I've been having an Equifax discrepancy between MYFICO and Experian for the past couple of months and I was about to post about it....I think there is a problem somewhere and I believe it's with Experian. I have the paid membership for Experian and the free membership for MyFico. Both claim to provide FICO 8 scores. Two months ago, my profiles and accounts were all the same across the 3B and each was showing the exact same 5% util. Per the Experian app: EX: 815 TU: 818 EX: 793. MyFico shows Equifax at 815 at exact same time.
Last month, util increased to 6%. Per the Experian app: EX:810 TU: 810 EQ: 801 Myfico: 809

Today: Util 7% Experian App Ex: 807 TU: 808 EX: 798

Myfico as of 3/31: 809

Something is definitely wrong with the Experian app pulling scores from Equifax, I think. I sent a note two months ago to inquire of the issue and they sent some canned response about scores fluctuating or something. There has to be an error on their side...

[FlaDude]

---

@SeeingTheLight wrote:

I've been having an Equifax discrepancy between MYFICO and Experian for the past couple of months and I was about to post about it....I think there is a problem somewhere and I believe it's with Experian. I have the paid membership for Experian and the free membership for MyFico. Both claim to provide FICO 8 scores. Two months ago, my profiles and accounts were all the same across the 3B and each was showing the exact same 5% util. Per the Experian app: EX: 815 TU: 818 EX: 793. MyFico shows Equifax at 815 at exact same time.
Last month, util increased to 6%. Per the Experian app: EX:810 TU: 810 EQ: 801 Myfico: 809

Today: Util 7% Experian App Ex: 807 TU: 808 EX: 798

Myfico as of 3/31: 809

---

Are the items flagged in red above supposed to be "EQ"?

[AllyDais]

Oh ok. I didn't know there were different fico8 scoring models. Thank you for that.

[AllyDais]

I decided to go straight to the source, equifax.com and see the score. But it's a vantage score. Lol. So still no score help. However, I noticed that all my accounts are gone. Only things opened from 2022 to now are there, and my credit age is now a little over a year? Where in the world did everything go? Car loans...gone. student loans....gone. credit cards. Everything. Is anyone else seeing that?

[SouthJamaica]

My experience with EX FICO 8 on experian.com and EX FICO 8 on myfico.com is that the experian site has the score changes a day or two earlier.

[FlaDude]

---

@AllyDais wrote:

I decided to go straight to the source, equifax.com and see the score. But it's a vantage score. Lol. So still no score help. However, I noticed that all my accounts are gone. Only things opened from 2022 to now are there, and my credit age is now a little over a year? Where in the world did everything go? Car loans...gone. student loans....gone. credit cards. Everything. Is anyone else seeing that?

---

Does  your EQ report look correct through other sources like myFICO or Credit Karma?

[AllyDais]

No. It's like that across the different platforms

[fortis]

My fico 8 on EX is 6 points lower than myfico, was wondering why also.

[AllyDais]

I think I finally figured out what happened. My maiden name and married name have split into 2 seperate reports. When I put my maiden name I see a higher number than my married name....more history. MyFico report actually matches my married name but is showing the higher score so I don't know what to do. For now I think I will say a prayer. lol. Thanks for your help everyone.

[SouthJamaica]

---

@AllyDais wrote:

I think I finally figured out what happened. My maiden name and married name have split into 2 seperate reports. When I put my maiden name I see a higher number than my married name....more history. MyFico report actually matches my married name but is showing the higher score so I don't know what to do. For now I think I will say a prayer. lol. Thanks for your help everyone.

---

That's called a split file. You need to bring it to the credit bureau's attention, so they can correct it.