myFICO (Equifax) vs Experian FICO 8 Score different

[coolandcalm]

44 point difference..

Both credit reports have the same information and balances reporting..

except that Experian has..

1 additional authorized user store card (utilization under 9%)..

and

1 paid off auto loan..

no lates on either

Others see similar?

[GZG]

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@coolandcalm wrote:

44 point difference..

Both credit reports have the same information and balances reporting..

except that Experian has 1 additional authorized user store card and 1 paid off auto loan..

---

utlization on the AU card? any lates on the auto loan?

[coolandcalm]

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@GZG wrote:

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@coolandcalm wrote:

44 point difference..

Both credit reports have the same information and balances reporting..

except that Experian has 1 additional authorized user store card and 1 paid off auto loan..

---

utlization on the AU card? any lates on the auto loan?

---

its under 9% and no lates on either

[SouthJamaica]

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@coolandcalm wrote:

44 point difference..

Both credit reports have the same information and balances reporting..

except that Experian has..

1 additional authorized user store card (utilization under 9%)..

and

1 paid off auto loan..

no lates on either

Others see similar?

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No I have never seen similar.

But then again I've never had an AU card and I've never had a paid off loan showing on one report and not on the other.

[markbeiser]

Which one is the hither score?
If it is Experian, and it is an older card than the rest of your accounts, it could be driving up the lenth of your credit history, etc..

[Aeon]

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@coolandcalm wrote:

44 point difference..

Both credit reports have the same information and balances reporting..

except that Experian has..

1 additional authorized user store card (utilization under 9%)..

and

1 paid off auto loan..

no lates on either

Others see similar?

---

I consistently have a 26-30 pt difference between my EX and EQ Fico8 scores, with EQ being my highest score and EX being my lowest.

EQ still reports a closed store card from 2010 that has long since dropped off my EX and TU credit reports. This results in a much higher AAoA and AoOA on EQ, though the reasons given about what is hurting my scores are all the same across the three bureaus.