Scores all over the board

Anonymous · ‎01-27-2015

Hello All,

My scores go from Equifax 775 all the way to Experian 718 on MYFICO TU checks in at 767 (as well as 742 on Barclaycard MY FICO score ).

Is it normal to have such a huge variance almost 70 points from one bureau to another? Any banks that are none to weigh Experian which will see my as average vs others who will see me as excellent?

thanks for all the help

Anonymous · ‎01-27-2015

@Anonymous wrote:
Hello All,
My scores go from Equifax 775 all the way to Experian 718 on MYFICO TU checks in at 767 (as well as 742 on Barclaycard MY FICO score ).
Is it normal to have such a huge variance almost 70 points from one bureau to another? Any banks that are none to weigh Experian which will see my as average vs others who will see me as excellent?
thanks for all the help

Besides the scores is there actually something different between the EQ and EX reports. Normally they would be closer but if there is something reporting on one but not the other that can count for the large disparity.

Anonymous · ‎01-27-2015

The only thing i can see is the majority of my inquires are on Experian .

Its funny though the lines of credit that came off of the better scores are lower than than the CL's on Experian mostly.

Anonymous · ‎01-27-2015

@Anonymous wrote:
The only thing i can see is the majority of my inquires are on Experian .
Its funny though the lines of credit that came off of the better scores are lower than than the CL's on Experian mostly.

Welcome to the club with inquiries on EX. Everyone seems to pull them now. I'm not sure what to say. I believe, thoughh I could be wrong, that it was said that given identical records that FICO strives to keep scores within 30 points of each other. It's impossible to know their scoring at times.

Revelate · ‎01-27-2015

@Anonymous wrote:
@Anonymous wrote:
The only thing i can see is the majority of my inquires are on Experian .
Its funny though the lines of credit that came off of the better scores are lower than than the CL's on Experian mostly.
Welcome to the club with inquiries on EX. Everyone seems to pull them now. I'm not sure what to say. I believe, thoughh I could be wrong, that it was said that given identical records that FICO strives to keep scores within 30 points of each other. It's impossible to know their scoring at times.

That's what was stated once upon a time (I got it second hand admittedly), and I think their scores will trend more towards that in the future as the wide variance in scoring between the bureaus annoys the lenders as well as us... and it's one of the marketing pitches for Vantage Score: certainly my scores are pretty much identical at 765/765/766 on VS 3.0 whereas my EQ FICO 8 being 20-25 below my TU/EX FICO 8's even though it's my cleanest file from a derogatory perspective, but my most recent inquiries were on Equifax from a couple of Verizon services... which I'm assuming is part of the cause beyond the fact EQ hates me.