Scores different across bureaus

[Anonymous]

My question is more or less a general one, but I am asking based upon my situation. All 3 of my FICO scores between the 3 bureaus are different. There is a +/- 20 difference between my low and high. But my credit profile is almost exactly the same between all 3 reports. How can the FICO scores be so different considering my information is the same across all 3 bureaus?

[Anonymous]

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@Anonymous wrote:

My question is more or less a general one, but I am asking based upon my situation. All 3 of my FICO scores between the 3 bureaus are different. There is a +/- 20 difference between my low and high. But my credit profile is almost exactly the same between all 3 reports. How can the FICO scores be so different considering my information is the same across all 3 bureaus?

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Though they are using the same scoring model purchased from FICO, they all have their own data architecture. The variance among recorded, displayed, and/or stored information can result in these margins.

[RobertEG]

The individual CRAs license individual versions of the FICO algorithm that are slightly tailored to their individual requirements/requests.

Fair Isaac has stated that differences in scores generated on identical data with the three CRAs can vary by up to approx 20 points due to those differences.

Your scores seem to be within the expected variances cited by Fair Isaac.