MyFICO vs Experian Discrepancy in Score

[Geaux1]

I recently signed up for the myFICO Premier service while also having an active account through Experian.  Can anyone help me understand why my FICO 8 score on MyFICO(Experian) is 40 points lower than the FICO 8 shown on the Experian site?  I was under the impression that the myFICO score would refresh when Experian updated their score. (It was updated a week and a half ago).  I thought having access to all 3 through myFICO would be my best option, but if it's not accurate it seems to be a waste of $.

[GZG]

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@Geaux1 wrote:

I recently signed up for the myFICO Premier service while also having an active account through Experian.  Can anyone help me understand why my FICO 8 score on MyFICO(Experian) is 40 points lower than the FICO 8 shown on the Experian site?  I was under the impression that the myFICO score would refresh when Experian updated their score. (It was updated a week and a half ago).  I thought having access to all 3 through myFICO would be my best option, but if it's not accurate it seems to be a waste of $.

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myFICO won't update as promptly as Experian's service will 

only certain 'events' prompt myFICO to trigger an update for your score, and it'll be well behind Experian's website/service 

[SouthJamaica]

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@Geaux1 wrote:

I recently signed up for the myFICO Premier service while also having an active account through Experian.  Can anyone help me understand why my FICO 8 score on MyFICO(Experian) is 40 points lower than the FICO 8 shown on the Experian site?  I was under the impression that the myFICO score would refresh when Experian updated their score. (It was updated a week and a half ago).  I thought having access to all 3 through myFICO would be my best option, but if it's not accurate it seems to be a waste of $.

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There is a time lag. But both a 1 1/2 week lag and a 40-point difference, are unusual in my experience.

[JoeRockhead]

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@SouthJamaica wrote:

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@Geaux1 wrote:

I recently signed up for the myFICO Premier service while also having an active account through Experian.  Can anyone help me understand why my FICO 8 score on MyFICO(Experian) is 40 points lower than the FICO 8 shown on the Experian site?  I was under the impression that the myFICO score would refresh when Experian updated their score. (It was updated a week and a half ago).  I thought having access to all 3 through myFICO would be my best option, but if it's not accurate it seems to be a waste of $.

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There is a time lag. But both a 1 1/2 week lag and a 40-point difference, are unusual in my experience.

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Have to agree with @SouthJamaica that the 40 point difference is very unusual. Do you happen to have Experian boost enabled? If so this could possibly explain the discrepancy in your scores.   

[Geaux1]

Thank you for the responses.  Yes, I do have a boost that led to +19 points, but good to know the inner workings of lag time etc.  I'll be mindful of that in the future.