Just because that data is exactly the same doesn't mean your scores across all 3 bureaus will be exactly the same.
***This is not a myFICO tech issue - your FICO scores would be the same as you listed had you pulled them from another service, like Experian, on the same day.
Your score is generated based on the FICO algorithm which is not developed by myFICO -- myFICO is just a product that provides a credit report & score service to consumers.
It is quite common to see a difference in scores between the 3 bureaus.
Each bureau tweaks the FICO algorithm a bit so to differentiate from the others. For example, one bureau's scoring may a show bit more sensitivity to new accounts or inquiries than another - these small differences allow the bureaus to provide a varied perspective to lenders. If not for the differences, there'd be no point in having 3 bureaus because they'd all generate the same score.
Are you sure all data between TU and EX match exactly, including the number of inquiries? What type of derogatories / negatives are present, if any?
@BMW_328i wrote:
I already understand the premise of scores not being EXACTLY the same, duhhhh. Again, my tradelines are EXACTLY the same for TU and EX. I shouldn’t have a 45+ point difference in my FICO scores. ~20 points, maybe but not 40+ points. It makes no sense at all......
Well, i was only trying to help you better understand how scoring works - there is obviously some confusion on your part since you've been battling myFICO tech support because they haven't fixed something over which they have ZERO control - DUHHHHHH!
There is absolutely no point in your being rude to folks taking the time to kindly respond to your nonsensical rants.
I wish you the best of luck in figuring things out and getting myFICO tech support to fix your Transunion FICO score 🙃
@BMW_328i wrote:
I apologize for coming off rude. I’m very frustrated with the inconsistencies with MyFico. There is absolutely no reason for my scores to have a 40+ difference.
If you take a deep breathe (credit is insanely frustrating), you will realize that your best chance to find out the source of the issue is working with the regulars here - who know so much about how the FICO scoring system works. You won't get anywhere with MF support or the CRAs just insisting that "something is wrong".
If you lay out the details from each report, they can help analyze why it could be different for the scoring algos and maybe even recommend things for you to do to address it. I'm willing to bet if you pull ACRs you find some things that are different between the full reports.
@BMW_328i wrote:
I apologize for coming off rude. I’m very frustrated with the inconsistencies with MyFico. There is absolutely no reason for my scores to have a 40+ difference.
Your frustration with your FICO score differences is understandable -- we've all been there (I'm there currently with my EQ as compared to TU and EX -- see my signature. EQ appears to penalize me more heavily for high loan balances and new accounts than the other two).
However - "the inconsistencies with myFICO" is the type of statement that led me (and others) to believe you were a bit unclear about the role myFICO plays. "myFICO" is a product -- just a product that presents your scores to you. They have nothing to do with how your scores are generated. myFICO tech support cannot help you with how the FICO algorithm evaluates your credit report. If, for example, you received an error when trying to generate your scores via the myFICO product, then myFICO tech support could assist. But they do not have a hand in developing the algorithm that determines your FICO score. So your frustration, while warranted, is misplaced.
It would be helpful if you answered the Qs I put in my 1st response to you regarding the information present on your reports. For instance, derogatory accounts may be the same on both your TU & EX, but perhaps the payment history or "time since updated" date differs --- something that simple can cause a larger than average variation between the scores.
It would also be helpful if you pulled your full ACR reports from annualcreditreport.com. These reports are much more comprehensive than any available web-based report as they mimic your hard-copy paper reports that would be delivered to you by mail from each bureau -- so they will offer deeper insight into each tradeline. Perhaps there is some differing data on your reports that is simply not visible on the web-versions. These reports are free to pull and, currently, available on a weekly basis.
If you'd like assistance in further evaluating your credit scores vs. the specific data on your reports, then please list all your report information and ask questions. We want to help but can only do so with your cooperation.