USAA website showing incorrect FICO score

[Anonymous]

I currently have a monthly account with Experian, that I had before I found out about myFICO, and I am able to see previous months of FICO scores.

I logged in today to USAA and noticed that they updated my FICO score that they display on their website. It is showing a score that is nearly 100 points lower than what Experian has for that same date. WTH?!?!

I called them and all they say is to call Experian. Anyone else seen anything like this before?

[Anonymous]

Only 3 ingredients go into a credit score:

1 - The scoring model used (FICO 08, VS 3.0, etc)

2 - The bureau data being used (EX, TU, EQ)

3 - The point in time that these first 2 pieces of data were used to generate a score

I'd be willing to bet that at least 2 out of 3 of these ingredients is different.  The most major one is the first, the scoring model.  A 100 point variance can easily exist when looking at 2 different scores that were drawn on 2 different scoring models.

Look at the screen where you see your two different scores.  Somewhere on there it should tell you the scoring model used.  It could be right next to the score, all the way at the bottom of the screen in fine print, or part of a FAQ.  You should see something to the tune of, "FICO Score 8 using Experian data," for example.  Please report back what you see regarding both of those scores.

[Cindy_FICO]

The credit score provided by USAA is not a FICO Score, while the score provided by Experian is a FICO Score. So, the score values can differ given that the underlying algorithms are different.

[Anonymous]

Based on the post above, it would seem that criteria #1 (the most important, scoring model) is different. Therefore any score comparison here is like comparing apples to oranges.