How reliable is the Experian FICO score for other bureaus?

[Anonymous]

I just started a trial of the Experian IdentityWorks Premium, and I was astounded to see that my TU FICO 8 score is ~40 points greater than the last one I got, which was at the end of last month from Discover. I have never had any baddies on my report, so nothing falling off, my last two accounts were opened in December, so it's not like my accounts suddenly aged. I don't think any queries dropped off in the meantime (maybe one? I don't know). UTL has always been 1-2%. So back to my question, is Experian FICO 8 for other bureaus reliable?

[thornback]

Yes.  They are reliable / accurate as of the date they are pulled by the EX service.    So... something changed that gave you a boost (Congrats!) - perhaps your AAoA and/or AoOA passed a threshold on 3/1?  And maybe you got an additional boost from your new accounts hitting 3 months?  IDK, but you can be happy  

[Anonymous]

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@Anonymous wrote:

I just started a trial of the Experian IdentityWorks Premium, and I was astounded to see that my TU FICO 8 score is ~40 points greater than the last one I got, which was at the end of last month from Discover. I have never had any baddies on my report, so nothing falling off, my last two accounts were opened in December, so it's not like my accounts suddenly aged. I don't think any queries dropped off in the meantime (maybe one? I don't know). UTL has always been 1-2%. So back to my question, is Experian FICO 8 for other bureaus reliable?

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I'm pretty sure you crossed the AoYA 3 month threshold that I just crossed as well. I also opened 2 revolving accounts in December.

I gained anywhere from +8 to +25 points on 24 out of 28 FICO scores. You can see the results in a table at this link:

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-All-At-Just-Under-8-99-Utilization-experiment/m-p/5532039/highlight/true#M152188

[Anonymous]

OP, it sounds like you may be talking about both EX and TU FICO 8 scores.  Both are reliable and great scores to know.  Depending on your profile data, these scores could be within a few points of one another or could be upwards of 20-30 points different on similar profile data in some cases.