How common is a 20 point swing between CRA"s

EW800 · ‎07-18-2014

Hello!

My FICO scores are currently EXP: 698 EQ: 718 and TU: 709 - all I believe are on the 08 models.

I was just wondering how common or uncommon it is to have the 20 point difference that I have between Experian and Equifax (698 vs 718). Both reports appear to have the same information, at least as near as I can tell. If they are both the 08 model, is it unusual for them to have this big of a point difference or is this common?

Thanks!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Revelate · ‎07-18-2014

Within statistical norms according to FICO, pretty common AFAIK.

30 points difference is the stated design criteria for a given model at least on the base, non-industry optioned scores.

fused · ‎07-18-2014

Back in 2007 or 2008, my EQ 04 and TU 08 scores were at least 40-50 points higher than my EX FICO score. Today, all three of my reports are reporting virtually same information. The only difference is EQ and EX report the open dates with my accounts with just the month and year.

For example, my Amex cards report opened in 04/1998, while TU reports the cards as opened in 04/12/1998.

My FICO 08 scores were identical when I pulled them last month.

Revelate · ‎07-18-2014

@fused wrote:
Back in 2007 or 2008, my EQ 04 and TU 08 scores were at least 40-50 points higher than my EX FICO score. Today, all three of my reports are reporting virtually same information. The only difference is EQ and EX report the open dates with my accounts with just the month and year.

For example, my Amex cards report opened in 04/1998, while TU reports the cards as opened in 04/12/1998.

My FICO 08 scores were identical when I pulled them last month.

I saw in a press release regarding FICO 9 (the one I could find when searching for a wierd thing I thought I remembered) apparently FICO's customers (read: lenders) have been complaining at the variation between the bureaus' scores, and as such their new algorithm does more to bring them into line. Doesn't surprise me that FICO 8 ones track more closely too, do know my EQ and TU 8 scores are virtually identical within a few points of each other.