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I would look into your age of accounts factors on EX compared to the other higher score bureaus.
@Anonymous wrote:I understand that different FICO score models result in different ranges of scores. These are all Fico score 8 scores which uses a 300-850 scale. Equifax 802, Transunion 848, Experian 839. They have change slightly since I originally post the question. Equifax down one point for an auto loan inquiry. Transunion and Experian up a couple points but still i don't get 40-50 point difference. Judging from my emails with Equifax and the comments here no one else understands it either. LOL
@Anonymous it's not that we don't understand it, it's that you haven't given us the data necessary in order to speculate or come to any determination. If we have no data how can we explain it or understand it?