Just checked all 3 of my FICOs today as I was thinking about leasing a car. There is a HUGE difference between my EQ and EXP/TU. I know the reports have different date but this difference is huge. Part of it is the timing of balance updates (Eq at 17k balance, TU at 43k balance, and EX at 12k balance). Based on balance alone, Exp should be best. I was able to get my BK deleted off EQ, so it appears that helps a lot? When I initially got it deleted about a year ago, it made no meaningful difference between the reports.
One difference is that the Exp does not show the AU of a Macy's account from 1998. But according to the report summary, of AAoA on EQ is 3 years, TU is 5 years, 6 years. I can usually make a good sense of why my scores are different, but I am surprised my Experian is so low. I would have expected both my TU and EX at around 730 when reflecting the 12k balance. TU is artificially low right now as a result of the 43k balance. I will check once they update (why is TU so slow??)
Are all 3 FICO models at MyFico the same? Should I take these scores seriously or do lenders use different models?
Appreciate any insights you might have.
