@LP007 wrote:
@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?
I might start by seeing if the inquiries match. My Ex shows 4, but Eq & TU show 1.
Yeah that is the only difference I can spot. I never new version 9 was so inquiry sensitive. It may not be just inquiry sensitive in general but inquiry sensitive with a somewhat dirty file as other versions are all very close in scoring +/- 15 points but just not 60 points difference. Just thought it was odd and sharing a data point with others. We shall see in october when EX gets much cleaner.
@Sandman771 wrote:
@LP007 wrote:
@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?
I might start by seeing if the inquiries match. My Ex shows 4, but Eq & TU show 1.
Yeah that is the only difference I can spot. I never new version 9 was so inquiry sensitive. It may not be just inquiry sensitive in general but inquiry sensitive with a somewhat dirty file as other versions are all very close in scoring +/- 15 points but just not 60 points difference. Just thought it was odd and sharing a data point with others. We shall see in october when EX gets much cleaner.
It might have a lot to do with when or even if the various lenders report to each CRA. That can be all over the map. The lenders that pull from 1 CRA regularly might also report new data to that CRA in a more timely manner, and some lenders may not report to all 3 CRA's at all. I do not think they are legally required to do so, but are required to be accurate in what they do report. As the scores increase, they will become less extreme in the difference, but can still vary quite a bit. There seems to be some variance between how each CRA applies the alogorithm as well, so even exactly the same info reported on exactly the same day might yield different results. The alogorithms used are proprietary so nobody knows for sure what makes them differ. It is what it is!