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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...
@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: 809Today: 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"?
Oh ok. I didn't know there were different fico8 scoring models. Thank you for that.
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?
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.
@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?
No. It's like that across the different platforms
My fico 8 on EX is 6 points lower than myfico, was wondering why also.
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.
@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.