Credit score discrepancy

Post date: 2021-10-26 02:26:28

Why is my FICO so much higher than my individual credit scores?

My FICO and TransUnion/Experian scores are way off from each other. My FICO is currently 755, which is decent. But when I pull my TransUnion and Experian scores, they are both hovering around 700, which is meh.

I pulled both of those credit reports to make sure nothing is off that would be dragging my score down, and nothing is off! The only thing keeping me from having perfect credit in general is my debt-to-credit ratio, which I'm slowly but surely paying down. I otherwise haven't missed a payment in over 7 years or opened new lines of credit in that time either (good longevity).

So why is there such a vast difference between my FICO and the other two? Everyone has the same correct information, so why the discrepancy? What can I do to bring the other two up other than continue paying down my debt?

Thanks!

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