@villemiami wrote:
I have the Barclays Aadvantage Red aviator Mastercard. It offers a FICO credit score by Transunion, but it does not specify if it's FICO 8 or no, on the Barclays web site. My score there is 759, while my FICO 8 equifax is 734, and my FICO 8 experian is 730. So 759 seems to be too far from 734 to be FICO 8, am I wrong?
Historically any FICO model was taken by each credit bureau and then altered in various ways that were never publicized. Thus for FICO 8, while it sounds as though it were a single model, there are three different versions of it, where one would expect significantly different final scores even if a person's data were exactly the same in all three bureaus.
In FICO 04 the differences were so profound that a single model would have very different ranges depending on which bureau was implementing it. For example, imagine someone with a perfect credit report (something like eight open credit cards, one charge card, one mortgage, a paid auto loan, no inquiries, no accounts opened in the last three years, an average age of 20 and an oldest account of 30+ years -- along with all cards at zero except one with a small positive balance). That perfect profile would get you a score of 818 in EQ FICO 04 but 839 in TU FICO 04.
And these substantial differences in scores (from bureau to bureau) that we are discussing assume absolutely identical data between the three reports. It's quite possible that your TU report typically has different data at the moment it is drawn -- if so expect even more dramatic differences. Even if the accounts seem exactly the same (and even the scoring experts here can miss an important difference in their own reports) the balances on the accounts might be different (this is common even when we look at scores generated as little as three days apart (say).
