Expert Q&A

Different websites provide very different credit scores


Very different credit scores from two separate websites lead a reader to question the credit scoring system.

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Question for the expert

Dear Credit Score Report,
Why do I get extremely different scores on the same day, with the same reporting agency (Experian), but different websites? On July 22, 2010, I checked my credit score on two websites. shows me that my credit score per Experian is 738, while Bank of America Privacy Assist shows me that my score is 671 (again, per Experian). I went through both reports and the information regarding limits, outstanding balances and all other data is exactly the same. Why am I getting such opposite credit scores? Which one is trustworthy? Does this credit scoring mechanism really work? I am highly in doubt if the whole FICO system works well. I am sure another website would also give me a totally different score. I just don’t understand how in the world this is happening. Thanks in advance for your answer. – Enyew


Answer for the expert

Hey Enyew,
There’s a good reason why you’re getting such different credit scores, despite checking them on the same day: Those two numbers were generated using different credit scoring models.

Although the FICO credit score is most commonly used in lending decisions and the term FICO score and credit score are often used interchangeablythere are plenty of scoring models out there. This can make things confusing for consumers. “Many consumers, if not most, are misinformed that there is only one credit score, when in fact, there are many,” says Rod Griffin, director of public education for credit bureau Experian. Those include scores provided by the major credit bureaus (Equifax, Experian and TransUnion), proprietary models created by lenders but not shared publicly as well as scores offered to consumers by various other companies and websites. In your case, those two different scores are based on information from two different credit reports — but neither score is used in lending decisions.

Those sources provided you with so-called “educational” credit scores, which give you an idea of how lenders view you, but aren’t actually used by banks. offers the Experian PLUS Score, which “like all scores provided to consumers online is an educational score,” says Griffin. Bank of America‘s Privacy Assist identity protection service, meanwhile, provides the CreditXpert credit score, which is generated from information in Equifax credit reports. “As a purely educational score, the CreditXpert Score is not used for lending decisions,” says David Chung, managing director of CreditXpert, in an e-mail.

The FICO score, however, is used by many lenders in their decisions about whether to loan you money and at what interest rate. To get a copy of that score, you can purchase your FICO score from for $15.95 or see if your bank or credit union will provide you with a free FICO score.

As for the scores you received, timing could also be an issue, since they may be calculated at different times even if you see them on the same day. Bank of America says the CreditXpert score is updated every 90 days, while Experian says the PLUS score is updated each time the consumer requests a new credit report. Think back over the past few months: Have you opened any new accounts or taken on more debt, for example, during that period? Depending on when in the CreditXpert update cycle you requested that score from BofA, it could be weighing different information than your PLUS Score.

Meanwhile, these scores also have different numerical ranges: The Plus score ranges from 330 to 830, while the CreditXpert score ranges from 350 to 850. The FICO score, meanwhile, ranges from 300 to 850. In all three cases, the higher the credit score, the lower the risk that borrower will fail to repay a loan. So you can get a different score result — but still have “good” credit — under each model.

With all the variation in credit scores, it was smart to compare your underlying credit reports. You already looked over your Experian report, but make sure to also check your Equifax and TransUnion reports, too. Those reports should include very similar information, since major lenders typically report account data to all three bureaus. But mistakes do happen and could potentially account for differences in your scores. If you find any damaging errors on your reports, take steps to correct those negative items. Otherwise, they can drag down one — or more — of your credit scores.

Beyond just finding errors, examining those credit reports can guide you to improved borrowing behavior. “More important than the numbers are the risk factors he received in the report provided with the scores,” says Experian’s Griffin. “The risk factors explain what from his credit report most affected the scores. They are usually very consistent from one score to another, even when the numbers are quite different,” he says. “By using those risk factors to identify what he needs to address in his credit history, he will improve all of the credit scores calculated using his credit report.”

Good luck!

— Jeremy

See related: Free FICO scores exist, but aren’t easy to come by, Decade-old credit mistakes shouldn’t appear on your report


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