Help me understand the huge discrepancy between my FICO scores from different companies?

[alexsmith]

Hi all, my fiancée and I recently applied for a home loan, and while we were approved, my FICO scores were confusing to me. Equifax had me at 779, TransUnion at 775, and Experian at 650.

A dozen or few dozen point discrepancy wouldn't stand out to me, but well over 100 points??? Especially since I have an account with Experian, and their estimated score for me is 788.

My fiancée did not have this discrepancy, with all her scores coming in within 10 points in the 760s.

Should I be worried about this? Should I be looking for an illegitimate account or something?

[GZG]

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@alexsmith wrote:

Hi all, my fiancée and I recently applied for a home loan, and while we were approved, my FICO scores were confusing to me. Equifax had me at 779, TransUnion at 775, and Experian at 650.

A dozen or few dozen point discrepancy wouldn't stand out to me, but well over 100 points??? Especially since I have an account with Experian, and their estimated score for me is 788.

My fiancée did not have this discrepancy, with all her scores coming in within 10 points in the 760s.

Should I be worried about this? Should I be looking for an illegitimate account or something?

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feels like a collection on experian, pull your official report here and make an account directly with experian 

[JoeRockhead]

Aside from the obvious that they are three different (older) scoring models. In addition to an old unpaid collection etc... the other adverse information that has the ability to suppress mortgage scores by maintaining a hefty sting the entire time (7 years) they are on your reports, would be late payments (even old ones). The more severe the late, the more the sting.

Another factor that can suppress mortgage scores is regardless of low utilization, having too many of your revolving accounts reporting balances (no matter how low) can be scored harshly on mortgage scores.

I'd agree to check your reports with Annual Credit Report as suggested above to look for these items, and any other discrepancies. 

[SouthJamaica]

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@alexsmith wrote:

Hi all, my fiancée and I recently applied for a home loan, and while we were approved, my FICO scores were confusing to me. Equifax had me at 779, TransUnion at 775, and Experian at 650.

A dozen or few dozen point discrepancy wouldn't stand out to me, but well over 100 points??? Especially since I have an account with Experian, and their estimated score for me is 788.

My fiancée did not have this discrepancy, with all her scores coming in within 10 points in the 760s.

Should I be worried about this? Should I be looking for an illegitimate account or something?

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Yes. That size discrepancy is not normal, so you should be scouring your Experian report to find out what is in that report that is inaccurate.

[Thomas_Thumb]

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@alexsmith wrote:

Hi all, my fiancée and I recently applied for a home loan, and while we were approved, my FICO scores were confusing to me. Equifax had me at 779, TransUnion at 775, and Experian at 650.

A dozen or few dozen point discrepancy wouldn't stand out to me, but well over 100 points??? Especially since I have an account with Experian, and their estimated score for me is 788.

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It looks like Experian has some serious dirt on you that the other 2 credit bureaus don't. A charge off and/collection?

Also Experian uses a older Fico 98 which looks a B/HB on AMEX charge cards. The other 2 CBs use Fico 04 which ignores npsl charge card utilization. So, if you have an AMEX reporting a balance= high balance, it could drop EX score but, likely no more than 30 points.

Get credit reports from all 3 CBs and look for presence of or differences in derogatories.

P.S. since the.middle "mortgage" score is used for loans, your EX outlier should not be hurting you.

[FlaDude]

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@alexsmith wrote:

Especially since I have an account with Experian, and their estimated score for me is 788.

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There are many versions of FICO scores, the Experian site is probably showing version 8. Mortgage lenders use older FICO score models which can be somewhat different. It might be worth paying for your scores at least once to see all of your score versions from all three CBs.

[FicoMike0]

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