Why is my Experian score 123 pts below my Experian FICO Auto Score 5, 4, & 2?

[Joleybear]

My TransUnion Score under FICO Auto Score 5, 4, & 2 is 685 and my Experian 562... What gives?

I understand a small difference, but 123 pts? My Mortgage Scores are similar. Experian is 59 pts lower.

[dragontears]

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@Joleybear wrote:

My TransUnion Score under FICO Auto Score 5, 4, & 2 is 685 and my Experian 562... What gives?

I understand a small difference, but 123 pts? My Mortgage Scores are similar. Experian is 59 pts lower.

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What information is on EX that isn't on the other 2?

[SamsungHDTV]

Some lenders/creditors only report to certain bureaus instead of all 3. It could also mean there is derogatory information lingering on one of your reports that is already updated by the other two. I'd recommend you to pull each credit report and seeing if there is any inconsistent data on each of your accounts. You can pull each report for free once per year with no credit card required.  

[SouthJamaica]

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@Joleybear wrote:

My TransUnion Score under FICO Auto Score 5, 4, & 2 is 685 and my Experian 562... What gives?

I understand a small difference, but 123 pts? My Mortgage Scores are similar. Experian is 59 pts lower.

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You need to pull a 3-bureau report, and see what's different among the reports, and among the scores. Then once we know what's in your profile we'll have some idea as to what the answer is to your question.

[Way]

I don't know the answer, but I understand your question. It doesn't seem like everybody understands what your asking. Why would their Experian vs Experian auto score have anything to do with what's on TU or EQ?

[Anonymous]

My EX is 95 points off and only a 5 point positive change in 8 months. While the others are up 100 points in that same time. 

[donkort]

The solution lies in comparing and contrasting the 3 bureau credit reports.

[Anonymous]

Thanks for the reply. I guess my next step is to get all 3 reports in hand and see what's wrong.  

[moto4man]

My most recent paid auto loan, 6 years of clean payments only shows up on my TU report.  The only one I really see any significant change in is the FICO AUTO 5,4, & 2.  And thats about a 45 point swing.   All the rest of the models and scores vary by less then 15 points, but most are significantly less.