Scores way different?

[WildestDreams]

I'm trying to understand why my Fico 8 scores from myFico and Fico 8s from Experian (membership for all 3) are way different? I know why the credit karma fako scores are different but this seems very odd? Fico 8 is fico 8 right? should be the same everywhere no?

anyway I'm post chapter 7, trying to rebuild, and I guess my really question would be where should I focus on to track my scores? as I probably should stop driving myself crazy looking at 8 different sites

for reference... all reports/ scores were updated today 12/1

myFico

Experian - 618

TU - 556

Equifax - 645

Experian 

Experian - 629

TU - 610

Equifax - 669

thanks in advance for any insights or suggestions

[GZG]

---

@WildestDreams wrote:

I'm trying to understand why my Fico 8 scores from myFico and Fico 8s from Experian (membership for all 3) are way different? I know why the credit karma fako scores are different but this seems very odd? Fico 8 is fico 8 right? should be the same everywhere no?

anyway I'm post chapter 7, trying to rebuild, and I guess my really question would be where should I focus on to track my scores? as I probably should stop driving myself crazy looking at 8 different sites

for reference... all reports/ scores were updated today 12/1

myFico

Experian - 618

TU - 556

Equifax - 645

Experian 

Experian - 629

TU - 610

Equifax - 669

thanks in advance for any insights or suggestions

---

I would compare the reports between the two and see what differences there are and see which report is the actual, current report reflecting the current, actual score.

[WildestDreams]

Thanks, both companies have info the same... is this strange? I know the scores can vary but fico 8 TU score should just be one score no matter where its from right?

I guess ill stick with myFico and not bother looking at or paying for experian's 3 companys monthly reports anymore

[SouthJamaica]

---

@WildestDreams wrote:

Thanks, both companies have info the same... is this strange? I know the scores can vary but fico 8 TU score should just be one score no matter where its from right?

I guess ill stick with myFico and not bother looking at or paying for experian's 3 companys monthly reports anymore

---

I'm not familiar with Experian's 3 bureau services, I subscribe to one of their Experian-only services, which updates the EX report and 7 or 8 EX FICO scores every day.  I find that very valuable.

The other thing I use is MyFICO, which is of course super-comprehensive, but is expensive, and costs a fortune to update, other than once a month or once a quarter, depending on which service you have.

[mgood]

I'd bet that one has updated more recently than the other. I notice sometimes the FICO 8 from Experian and my Experian FICO 8 from myFICO are not the same, then a few days later they are the same.

[WildestDreams]

---

@mgood wrote:

I'd bet that one has updated more recently than the other. I notice sometimes the FICO 8 from Experian and my Experian FICO 8 from myFICO are not the same, then a few days later they are the same.

---

ahhh good to know, they both had said as of the same date, ill give it a few, the few points is strange but the TU score being 60points different is odd, anyway thanks!

[WildestDreams]

Well they are even more different today, crazy to me that FICO 8 isnt the same number everywhere... is the best practice to only look monthly or something? at this rate checking daily im going to make my self crazy. 

[FireMedic1]

---

@WildestDreams wrote:

Well they are even more different today, crazy to me that FICO 8 isnt the same number everywhere... is the best practice to only look monthly or something? at this rate checking daily im going to make my self crazy. 

---

MyFICO updated 12/02 above. ^^^^   Look at when the other scores updated. Lagging behind.

[WildestDreams]

they had all said  updated 12/2 - today the myFICO experian updated to match the experian fico. TU and equifax are still slightly different but I guess im just being nutty checking daily.

probably dont need to pay for 2 memberships, is myFICO the best membership/place to have to track?