Help me please understand the massive variance in my Experian Fico scores

[TheKid2]

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@Anonymous wrote:

@TheKid2 

When I say virtually, I mean we share cards, loans, and everything else. About 2 years ago we filed form chap 7 and at that time we had all the same revolving accounts and installment loans. Any late payments then affected us both. Since then our history is perfect. No missed/late pays. We both have under 20% utilization of cards and the same amount of available credit as we are authorized users on each other's cards. The only difference, I would say, are the number of inquiries and new accounts. I have 4 new cards in the last 12 months and she has 1. I already had a higher amount of inquiries than she did before then. 

So the biggest difference I guess is new accounts and inquiries and apparently that makes a bigger difference on older scores. 

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We are in different dirty scorecards - I'm in deliquency and you are in Public Record. So, there is going to be some difference, but for us there is NO penalty for new accounts (<12 months old) in any dirty scorecard. Since new accounts have no bearing on your score, I suspect it will come down to AAoA, inquiries, and most notably how the AU is applied - meaning it could matter who is the primary account holder and who is the AU. The newer models read the AU accounts differently then the older algos. For instance, 5/4/2 will treat the AU as your account and the 8/9 has some anti-abuse logic where it won't count in your AAoA, etc.

[Anonymous]

OP, could you give us the negative reason codes/scores for you and your wife on the scores in question.

while you're at it go ahead and give us the whole profile statistics for both of you (The stuff in the green badges in my signature)

[Anonymous]

And by the way look at my scores look at BC2, the lowest score I got out of all 28. it’s a hard score, even for a strong profile.

[Anonymous]

Hey I will have to dig into all of that info. All the acronyms are new to me so but I will try to get all that info for you. 

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@Anonymous wrote:
And by the way look at my scores look at BC2, the lowest score I got out of all 28. it’s a hard score, even for a strong profile.

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[Anonymous]

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@Anonymous wrote:

Hey I will have to dig into all of that info. All the acronyms are new to me so but I will try to get all that info for you. 

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@Anonymous wrote:
And by the way look at my scores look at BC2, the lowest score I got out of all 28. it’s a hard score, even for a strong profile.

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@Anonymous Give me the negative reason codes from BC2, classic two, and whatever ones you feel like copying and pasting. 

for the others, age of your oldest account, average age of accounts, age of youngest revolver, average age of revolvers, age of oldest revolver, Number of accounts open and closed on your credit report, do you have any instalment accounts? If so what's the oldest open one and the oldest overall? And the average age of your instalment accounts. 

do not use calculations from frontends or CMS as you must do the calculations yourself or they will be inaccurate. 

[Anonymous]

As a matter of fact since we’re speaking of auto loans please differentiate the different types of loans on your record please.

[Anonymous]

I was just double thinking, you're in a dirty scorecard so the segmentation is it gonna be different, but the scoring factors should still apply, let's look at it and see what we see.

[Anonymous]

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@Anonymous wrote:
And by the way look at my scores look at BC2, the lowest score I got out of all 28. it’s a hard score, even for a strong profile.

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760? I'm gonna beat that with 3 years of total credit history. You just stay right here and I'll be back in 6 months! haha

Look at the difference in those EX 2 models compared to TU 4's and EQ 5's.....EX is the only one with scorable inquiries.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
And by the way look at my scores look at BC2, the lowest score I got out of all 28. it’s a hard score, even for a strong profile.

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760? I'm gonna beat that with 3 years of total credit history. You just stay right here and I'll be back in 6 months! haha

Look at the difference in those EX 2 models compared to TU 4's and EQ 5's.....EX is the only one with scorable inquiries.

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@Anonymous I drop 2 inquiries next month and then I'll only have one left on EX. My fault I should've done the PC earlier. 

[Anonymous]

@Anonymous You know, @Anonymous makes the point. Compare the differences in her 2s vs. 4s and 5s. The only difference is inquiries and look at the striking difference. 

That shows how important inquiries are to the older scores and then as we've said, the new accounts are much more punitive to the old scores. That really tells the story.