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Variation in FICO scores....

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Trudy
Valued Contributor

Re: Variation in FICO scores....

Hey @BMW_328i, in reading your previous post regarding disputes and removal of items are you sure all have been removed from all 3B's if it appeared on all 3? 

 

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Journey/m-p/5904849

 

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/MyFICO-Score-Variances/m-p/5986898

 

Also not sure if you have a monthly or quarterly subscription but in your 4/15 post you referenced it was your report date.  If monthly, do you have your May report?  The latter may provide better information but aside from the collections, paid and/or deleted I believe this page of your report could indicate if there is actually something different that may have been overlooked.  Since COVID, several lenders have been late to update and some not at all.  As seen below when I pulled my report with all the same accounts (EQ has one additional closed acct), 1 or 2 bureau's had not updated when it normally would have been. 

 

In addition, if you have more INQ's on 1 bureau than the other although all of the accounts and updates may be the same, this can impact your score, as it does with my EX.  1 INQ on EQ & TU(6/2018) and 3 on EX (1 less than a year).   Just trying to figure out if there are slight differences as my EX file indicates.  TU for my profile treats UTL and INQ's much harsher than the others, even when everything else is the same.  Considering my scores it may seem hard to quantify but they've not been this way all the time.  So be encouraged.

 

Can you provide a print screen of this page of your report?

 

Factors.png

FICO - 8: 05/05/23
Message 11 of 12
BMW_328i
New Contributor

Re: Variation in FICO scores....

Greetings. Hope all are well. So, I accidentally paid my credit card balance to $0 (UR from 20% to 0%). This action supposedly increased my TU score 35 points- in line with my EX. Something isn’t right. I didn’t see this increase when my UR went from 77% to 20%- they gave me nine points at the time. I thought 0% is a no-no and one is more likely to get dinged for that?
Starting FICO 8s | 01/2020: EQ 495 ✦TU 471 ✦ EX 505
6Month FICO 8s | 06/2020: EQ 576 ✦ TU 533 ✦ EX 543
7Month FICO 8s | 07/2020: EQ 598 ✦ TU 530 ✦ EX 567
12Month FICO 8s | 01/2021: EQ 606 ✦ TU 589 ✦ EX 576
15Month FICO 8s | 04/2021: EQ 634 ✦ TU 613 ✦ EX 598
XXMonth FICO 8s | 07/2024: EQ 644 ✦ TU 684 ✦ EX 657
Message 12 of 12
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