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Fico scores

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lt23
Established Member

Re: Fico scores

That's good to know.  Do you have the link to the article about the ~30 points?

 


@RobertEG wrote:

As general guidance to consumers, Fair Isaac has stated that with identical credit file data, the different algoithms it licenses to the three CRAs should not vary by more than approx 30'ish points.

I would thus suspect data differences, and if score differences are approaching double-digits, I would suspect the differences to be in the more highly-weighted categories of util of credit or payment history.

 

If I could not decipher any significant differences, I would give a call to Fair Isaac, and perhaps they could shed some light.

They are the only ones who know the innards.




Message 11 of 13
Repo-ed
Senior Contributor

Re: Fico scores


@Repo-ed wrote:

My EQ/TU Scores here are 685.

 

My TU FICO scores via Walmart/Barclay are 707

 

My EX FICO via Amex is 717

 

All over the place...


Make that EQ here now 679 due to util coming WAY down...

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 12 of 13
pizzadude
Credit Mentor

Re: Fico scores

Moving to Understanding FICO® Scoring. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 13 of 13
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