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Given that all 3 CB use a different scoring formula, is it still possible that exactly same info reports, yet scores differ by 40 points?
sure is.
I am a perfect example of that because my credit reports are exactly the same on all 3 credit agencies but my equifax fico is 777 and my expirian fico is 733 and thats a 34 point difference.
My TU and EQ scores used to differ by over 30 points until I went from 3 accounts with lates to 1 account with lates.