Score movement across the big 3

[quest208]

are FICO scores calculated the same way across the big 3 CRA?  if all the data and variables are the same for Transunion and Equifax and Experian, will the scores be the same?

im talking about things like inquiries, aaoa, number of accounts payment history, etc being the same on for example TU and EX if it will yield the same results.

[llecs]

The formula differs across all 3. IME, I've found EQ to be really sensitive to util with TU less so. When we could get EX FICO whenever we wanted, I found that EX was more sensitive to baddies than the other two. TU seemed to be a little more forgiving.

[RobertEG]

It just emphasizes the point that there is no single "FICO score," even if based on the identical data.  Each customer licenses its own version.  That includes CRAs and creditors.  The score that a consumer can get is dependent upon the flavor of FICO licensed by the party they purchase it from.