myFico Experian (1 less baddie) yet 70 points LOWER than EQ and TU ??

[DrMac210]

For the last six months I have been using the monitoring on EQ and TU to track myFico scores on here.  As they have both went up 50-60 points, I finally decided to get my EX myFico score for the heck of it.

I was pretty when I saw it was at 648. (My EQ is at 712 and TU at 722.)

The kicker here is that my EX report actually has one LESS negative on it ($500 collection - 2009) than does the EQ or TU. 

Other than that discrepancy they are the exact same on both. (One collection - 2011, one judgement - 2007, one 90 day late - 2007, AAOA 15+ years, UTI 8%)

I understand that the scores across the three CRA's aren't likely to be the same, or even close, most of the time.  BUT...... not sure how a cleaner report can make for a score that is 70 points LOWER.

[Kratos-TM]

Each bureau score here on MyFico are of a different era. The algorythm between the three are so different that they don't reward or punish the same in any category. Don't try to make sense out of what you're seeing because you are comparing a 98 model, 04 model, and 08 model to each other. The 08 is dinging you for something that the 04 and 98 don't care about (as much).