Why are my scores different?

[Anonymous]

On myFico my Experian score is 704 ,
But on Experian.com my score is 680 . Why the discrepancy? Both are fico 8 scoring models...... 🤔

[CAS2019]

---

@Anonymous wrote:
On myFico my Experian score is 704 ,
But on Experian.com my score is 680 . Why the discrepancy? Both are fico 8 scoring models...... 🤔

---

Was your Experian score at 680 before it updated on Experian?  The Experian site updates daily,  MyFico doesn’t.  

[Aim_High]

---

@CAS2019 wrote:  Was your Experian score at 680 before it updated on Experian?  The Experian site updates daily,  MyFico doesn’t.  

---

^ ^ ^ ^  This is probably it.  Both same bureau.  Both same scoring model. 

      ..... But scores can fluctuate quite a bit over the course of a brief period,

               depending on the snapshot reported at the time of the score. 

[Anonymous]

---

@Aim_High wrote:

---

---

 Both same bureau.  Both same scoring model. 

---

I think you found your answer.  I posted this in another active thread recently:

Only 3 pieces of criteria to into a credit score:

• Scoring model used
• Bureau data used
• Point in time that the first 2 criteria were used together to generate a score

If you are seeing different scores, it's because 1 or more of the 3 pieces of criteria above are different.

It sounds like you've verified that the first 2 variables match, so only the third and final variable, the element of time remains.

[Anonymous]

Only 3 pieces of criteria to into a credit score:

• Scoring model used
• Bureau data used
• Point in time that the first 2 criteria were used together to generate a score

If you are seeing different scores, it's because 1 or more of the 3 pieces of criteria above are different.

It sounds like you've verified that the first 2 variables match, so only the third and final variable, the element of time remains.

[FinStar]

Hi @Anonymous, welcome to the forums.

I have moved your thread to the Understanding FICO Scoring section of the boards for better exposure to your question.

[Anonymous]

No, it was at 675 then raised to 680 on Experian.com as of today...... but I upgraded myfico .com membership and it automatically updated my account scores/reports ... the upgraded membership was today , also

[Anonymous]

---

@Anonymous wrote:
No, it was at 675 then raised to 680 on Experian.com as of today......

---

Something changed with the before/after data on your report allowing your score to increase 5 points.

[Anonymous]

No he said it was 704 on MF. Nevertheless BBS is right, something happened changing it to 675 and something else raised it to 680. MF is delayed.

Go to the alerts section in Experian credit works and go back in time and you will see where your score was 704 most likely.

[Anonymous]

Not the case . I've already checked my time line before I posted this question .

[Anonymous]

---

@Anonymous wrote:
No, it was at 675 then raised to 680 on Experian.com as of today...... but I upgraded myfico .com membership and it automatically updated my account scores/reports ... the upgraded membership was today , also

---

New Experian data will be available at midnight Pacific Time. I wonder if that new daily report will show EX 8 at 704. Or higher, if even more data has changed since myFICO pulled your report.