Interesting Fico Score Graph

[MarkintheHV]

I have been noticing that my FICO score for Experian never changes.  There have been changes to my reports and you can see below that the other two credit bureaus are fluxuation which is normal, but Experian never changes.  Any ideas?

[mgood]

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@MarkintheHV wrote:

I have been noticing that my FICO score for Experian never changes.  There have been changes to my reports and you can see below that the other two credit bureaus are fluxuation which is normal, but Experian never changes.  Any ideas?

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Ideas? (aka guesses?) Maybe Experian has you on a different scorecard due to something from way back that is reporting on one or two, but not all three bureaus. My scores used to jump around all the time with small changes in my utilization. Then suddenly they levelled out so that they don't react quite so drastically to utilization changes. My theory is that I moved to a different scorecard at that time.

[MarkintheHV]

All reports are very close to the same.  EQ and EX both have a 30 day late from 5-6 years go, but other than that, all three are very close to being identical

[Thomas_Thumb]

Studies have been done that show Experian to be less sensitive to #/% of cards reporting a balance on Fico 8 and Fico 04/Fico 98 models. I did a study on the "mortgage" models many years ago and BBS did one on Fico 8 around 2018. The testing was done while keeping aggregate utilization low - under 5% and all individual card utilizations low as well. I would expect the same with Fico 9. Fico 10T may evaluate this metric quite differently.

There may be some difference among the CBs in sensitivity to highest individual utilization on a revolving account but, data is less rigorous/conclusive on that factor. [sensitivity differences in aggregate utilization among the CBs should be minimal - assuming CB data is the same].

BTW - Sensitivity is scorecard dependent. If you only have one account less than 12 months in age, then, when it crossing above 12 months scores may stabilize a bit. Your age of oldest account increasing may add stability as well. Lastly, adding an open installment loan to a cards only profile can add stability to score on Fico 8.