Why the huge disparity?

[Sandman771]

Looking at these scores and all the profiles are the same. The lowest has the oldest AOOA. Can anyone explain such a disparate score.  I can see ten to twenty points but 50? 

[pizzadude]

What else is missing from the TU, EQ reports that's on EX ?  Is your revolving utilization showing identically on all reports?

[Anonymous]

I would say that the information on the reports isn't all created equal.

[Horseshoez]

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@Anonymous wrote:

I would say that the information on the reports isn't all created equal.

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You beat me to the punch; all three of my credit reports show different accounts and different numbers of credit inquiries, one as few as 2, one as high as 8.

[Anonymous]

And I bet you have some quite different scores?

[Sandman771]

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@pizzadude wrote:

What else is missing from the TU, EQ reports that's on EX ?  Is your revolving utilization showing identically on all reports?

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I am not sure. I am going to look at them side by side here in a little bit and see what's what. 

[Sandman771]

So I reviewed the data and there isn't anything that stands out other than one account is showing on EQ and EX but not on TU and it is derog. But it isn't bringing EQ down like it is EX. So here are the Auto and Card versions of my scores as well. Based on these photos I'm assuming there is something in my file that v. 9 does NOT like for EX. Not as bad for the other two. 

This is AutoThis is for cards

[SouthJamaica]

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@Sandman771 wrote:

Looking at these scores and all the profiles are the same. The lowest has the oldest AOOA. Can anyone explain such a disparate score.  I can see ten to twenty points but 50? 

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The only way to find out is to compare the report data.

[Sandman771]

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@SouthJamaica wrote:

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@Sandman771 wrote:

Looking at these scores and all the profiles are the same. The lowest has the oldest AOOA. Can anyone explain such a disparate score.  I can see ten to twenty points but 50? 

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The only way to find out is to compare the report data.

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The only differences between EX and EQ are inquiries. Maybe about 6. Everything else is identical. Matter of fact EX has two additional tradelines that are self-reported (utility and phone).  Maybe FICO 9 is very inquiry-sensitive? 

[LP007]

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@Sandman771 wrote:

Looking at these scores and all the profiles are the same. The lowest has the oldest AOOA. Can anyone explain such a disparate score.  I can see ten to twenty points but 50? 

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I might start by seeing if the inquiries match. My Ex shows 4, but Eq & TU show 1.