For the past 2 or 2 1/2 years, my TU FICO 8 has been noticeably higher than my EQ & EX scores, often as much as 30-40 points and rarely less than 20 points higher.
But I can't discern any significant differences between what is being reported on TU and what is being reported on the others.
Does anyone know of any significant differences in TU's algorithm?
If it helps any, my profile during this period has mostly looked like this:
-a goodly number of new accounts & inquiries (due to my having joined this accursed forum 
)
-no negatives
-overall revolving utilization of zero to 5%, although recently I let it go up to 15% temporarily
-short average age of accounts, short age of newest account, one old account
-no mortgage
Although my scores have been sensitive to revolving and installment utilization, they have always moved in tandem.
My all time high on TU is 20 points higher than my all time highs on the other two.
@Anonymous wrote:Hey SJ.
You stated that no significant differences exist between your TU data and EX/EQ, but that's not "no" differences. My question would be what are the exact differences that you're speaking of?
My TU score tends to run a little higher than the others as well, usually about 10 points but at times 15-17. The two obvious differences I see though are my AAoA is 6 months older on TU and I have 1-2 less scoreable inquiries on TU compared to the other 2 bureaus. I've always felt those differences justified the score variance. As you know, though, there are plenty of people on this forum that have reported possessing identical data across all 3B with score variances in the 20-30 point range, with an outlier 36 data point once.
I think your question is a good one though regarding potential differences related to the algorithm, as if we're talking algorithm variances across the bureaus we're not really comparing apples to apples when it comes to scores.
Forget EQ because it has had a noticeable difference for the past year which keeps it at around 10 points lower than EX.
But comparing TU to EX: no differences I can spot except that TU usually has fewer inquiries, let's say 4 vs 8. But TU & EQ are about the same in inquiries.
@HeavenOhio wrote:@SouthJamaica wrote:
Forget EQ because it has had a noticeable difference for the past year which keeps it at around 10 points lower than EX.Didn't you have some accounts unexpectedly fall off your EQ report?
Yes that's the "noticeable difference" I referred to above. It's why EQ has been around 10 points lower than EX; it has a shorter average age of accounts. It's why EQ might be 40 points lower than TU when EX is 30 points lower.
Mine is the same. EQ is always the lowest of the three. TU is always the highest..go figure.
@Gmood1 wrote:
Mine is the same. EQ is always the lowest of the three. TU is always the highest..go figure.
Well in my case I think I know why EQ is lower than EX; it's because EQ dropped 5 of my closed accounts from the reports, one of which was a very old one. So my AAoA on EQ is lower than on the other two.
The only thing I can't figure out is why TU is way higher than both of them.