Low FICO 5,4,2 Relative to 8

[repeguy-1990]

My FICO 5,4,2 seems significantly lower than 8.

As of 2/6/2025 my scores are:

Fico 8:

Equifax: 788

Transunion: 780

Experian: 785

Fico 5,4,2

Equifax: 708

Transunion: 705

Experian: 780

In September 2024, one of my old credit cards charged me an annual fee, which I was unaware of. It dinged my credit score to show there was a 30+ day late payment. I ultimately reached out to the issuer and they agreed to remove the charge entirely and show that it was never delinquent. I also disputed it with the credit agencies. It seems as though this is why it remains so low for Transunion/Experian, however when i look on my credit report, they do not show they were delinquent. What can I do to get this fixed? Why would there be a 70 point difference? 

[BallBounces]

That's nothing, I have a 150 point delta between my highest score and my low Auto enhanced score.

It should not be a surprise that the older and industry specific algorithms weight things differently.

If you are interested in WHAT is weighted differently, there is plenty to search on OR an awesome guy like TT will come along and explain it.

[SouthJamaica]

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@repeguy-1990 wrote:

My FICO 5,4,2 seems significantly lower than 8.

As of 2/6/2025 my scores are:

Fico 8:

Equifax: 788

Transunion: 780

Experian: 785

Fico 5,4,2

Equifax: 708

Transunion: 705

Experian: 780

In September 2024, one of my old credit cards charged me an annual fee, which I was unaware of. It dinged my credit score to show there was a 30+ day late payment. I ultimately reached out to the issuer and they agreed to remove the charge entirely and show that it was never delinquent. I also disputed it with the credit agencies. It seems as though this is why it remains so low for Transunion/Experian, however when i look on my credit report, they do not show they were delinquent. What can I do to get this fixed? Why would there be a 70 point difference? 

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It's not so unusual for mortgage scores to be lower than FICO 8 scores.  I have found that the

mortgage scores are more concerned with aging factors and percentage of zero balances, while

FICO 8 scores are more concerned with percentage dollar utilization.

The large difference between EX FICO 2 and the other mortgage scores does seem odd. I'm guessing it will go away when something reports that hasn't reported yet.