What is causing Experian to be 15 pts lower than EQ, TU??

[AzCreditGuy]

I need to understand why my Experian score seems to be 1 5pts lower than Eq and TU, if they are all equal on credit changes? I haven't included EQ in this sheet due to EQ only having 1 INQ vs 2 for EX and TU. So I am trying to make a fair comparison here.  I understand the differences of balances, but I just dont get why Experian is grading me lower? 

[Gregory1776]

No answer, same question.

I imagine they score somehow a bit differently...

[Thomas_Thumb]

I am unable to follow your chart. I will say EX typically weighs increased utilization more heavily than TU and EQ. On the flip side EX puts less weight on a high number of cards reporting balances. Fico has granted each CRA some input in customization of its scoring algorithms. 

P.S. in the above post EQ shows a different date for the data pull. That can make a significant difference due to updates in account balance reporting.

[NoHardLimits]

---

@Thomas_Thumb wrote:

I am unable to follow your chart. I will say EX typically weighs increased utilization more heavily than TU and EQ. On the flip side EX puts less weight on a high number of cards reporting balances. Fico has granted each CRA some input in customization of its scoring algorithms. 

---

The way I'm reading the chart, it looks like there is a detailed breakdown of data for Experian but only a score for Transunion for both pull dates  of 5/11 and 6/15.  In addition, there are two columns with individual card utilization on those two dates.  The utilization info shows increasing balances as well as increasing # of accounts with a balance (though still less than 50%).  All accounts seem to be revolving bank cards (not retail or non-revolving charge cards).

I agree about the difference in behavior likely to be due to slight tweaks to each bureau's algorithm.  I concur that EX seems to be less bothered by number of accounts with a balance.

Edit to add:  There is also missing information about the dates of the inquiries.

[FicoMike0]

"I need to understand why my Experian score seems to be 1 5pts lower than Eq and TU,"

 I think this need will remain unmet lol.

My fico8 scores are, eq 817, tu 808, ex 804, all today's date except eq, 5/31/25

Ex is always lowest. Why? Because they suck!

[AzCreditGuy]

---

@NoHardLimits wrote:

---

@Thomas_Thumb wrote:

I am unable to follow your chart. I will say EX typically weighs increased utilization more heavily than TU and EQ. On the flip side EX puts less weight on a high number of cards reporting balances. Fico has granted each CRA some input in customization of its scoring algorithms. 

---

The way I'm reading the chart, it looks like there is a detailed breakdown of data for Experian but only a score for Transunion for both pull dates  of 5/11 and 6/15.  In addition, there are two columns with individual card utilization on those two dates.  The utilization info shows increasing balances as well as increasing # of accounts with a balance (though still less than 50%).  All accounts seem to be revolving bank cards (not retail or non-revolving charge cards).

I agree about the difference in behavior likely to be due to slight tweaks to each bureau's algorithm.  I concur that EX seems to be less bothered by number of accounts with a balance.

Edit to add:  There is also missing information about the dates of the inquiries.

Correct as EX and TU are equal in balances and thresholds, it shows the date pulls for both Ex and Tu. Tu scores are in the upper and Ex scores on the stated scores. Thresholds would be column 1 less credit being used, threshold column 2 more credit being used. 

Date of inquires for both Ex and Tu were 5 mths ago

Ok so EX weighs more when I increased credit use. Got it...Thanks  

---