Fico Equifax jumped, Equifax itself did not

[Anonymous]

I just got an alert from Myfico that my Equifax score increased 33 points from 675 to 708. I also pay for Equifax credit monitoring so I checked on there and my score stayed at 683, like it was previously. Until today they've been pretty much in line with each other. Any idea why it would jump so much only on myfico? There was no reasoning included with the score jump. Thanks

[thornback]

They are two different scoring models.    EQ on myFICO is your FICO 8 score;  the EQ score provided by Equifax monitoring is based on the Equifax Credit Score model (not FICO).   So they respond to changes to your credit differently  (just like Vantage vs. FICO).     As to what made your FICO score jump (congrats, btw) - I have no idea.   Perhaps significantly reduced util? Aged off / removed derog?  You'd have to review your most recently updated report to find out what changed.  

[Anonymous]

It's also possible that whatever the change was to the OPs report was reflected on his MF report but not yet the one on EQ, so it could be an apples to oranges comparison between unlike files.  If that's the case, it would explain his score remaining constant through EQ, regardless of the scoring model (same data yielding same score).

[Anonymous]

BBS I have to respectfully disagree. The CRAs push the score and report changes to MF. Therefore the update to the CR at EQ would be first, so I do not think that is a possible explanation IMHO. The CRA‘s are always updated before MF.

Or is this Equifax monitoring service not provided by Equifax or based on their data?